diff --git a/frontend/package.json b/frontend/package.json
index 2c8da25..5fa09a9 100644
--- a/frontend/package.json
+++ b/frontend/package.json
@@ -30,6 +30,7 @@
 	},
 	"dependencies": {
 		"@hiseb/confetti": "^2.0.2",
+		"@lucide/svelte": "^1.34.0",
 		"@stripe/stripe-js": "^9.13.0",
 		"chart.js": "^4.4.0",
 		"pocketbase": "^0.27.0",
diff --git a/frontend/src/lib/server/migrate.ts b/frontend/src/lib/server/migrate.ts
index 56145ea..eda4e65 100644
--- a/frontend/src/lib/server/migrate.ts
+++ b/frontend/src/lib/server/migrate.ts
@@ -322,15 +322,47 @@ async function ensureFamFields(): Promise<void> {
 }
 
 export async function migrate(): Promise<void> {
-  console.log("[migrate] Checking PB collection schemas...");
-  await ensureSchema();
-  // Runs even when the schema already exists (unlike ensureSchema's early
-  // return) so new platform collections/fields/seed land on existing installs.
-  await ensureFamFields();
-  await ensureBonusFields();
-  await ensureAccessCodes();
-  await ensurePlatform();
-  console.log("[migrate] Done");
+	console.log("[migrate] Checking PB collection schemas...");
+	await ensureSchema();
+	// Runs even when the schema already exists (unlike ensureSchema's early
+	// return) so new platform collections/fields/seed land on existing installs.
+	await ensureFamFields();
+	await ensureBonusFields();
+	await ensureTemplateFields();
+	await ensureAssignedChoreFields();
+	await ensureAccessCodes();
+	await ensurePlatform();
+	console.log("[migrate] Done");
+}
+
+// Add colour / icon / description to `assigned_chores` on existing installs so
+// family-admins can override a template's look per assignment. Idempotent.
+async function ensureAssignedChoreFields(): Promise<void> {
+	const col = await getCollection("assigned_chores");
+	if (!col) return;
+	const has = (n: string) => col.fields.some((f: any) => f.name === n);
+	const needed: any[] = [];
+	if (!has("description")) needed.push({ name: "description", type: "text", required: false });
+	if (!has("icon")) needed.push({ name: "icon", type: "text", required: false });
+	if (!has("color")) needed.push({ name: "color", type: "text", required: false });
+	if (!has("emoji")) needed.push({ name: "emoji", type: "text", required: false });
+	// Todos can be celebration-only (emoji) as well as points/money.
+	let changed = !!needed.length;
+	const typeField = col.fields.find((f: any) => f.name === "type");
+	if (typeField && Array.isArray(typeField.values) && !typeField.values.includes("emoji")) {
+		typeField.values = [...typeField.values, "emoji"];
+		changed = true;
+	}
+	if (changed) {
+		await updateCollection(col.id, { ...col, fields: [...col.fields] });
+	}
+	const comp = await getCollection("completions");
+	if (comp && !comp.fields.some((f: any) => f.name === "rewardId")) {
+		await updateCollection(comp.id, {
+			...comp,
+			fields: [...comp.fields, { name: "rewardId", type: "text", required: false }],
+		});
+	}
 }
 
 // Add the pocket-money fields to bonus collections on existing installs, and
@@ -367,6 +399,21 @@ async function ensureBonusFields(): Promise<void> {
 
 async function backfillPocketMoney(): Promise<void> {
   const t = await auth();
+  // Flag legacy pocket-money configs that predate the isPocketMoney field so
+  // the dashboard recognises them (and we don't create duplicates below).
+  const legacyRes = await fetch(
+    `${PB_ENDPOINT}/api/collections/bonus_configs/records?filter=${encodeURIComponent(
+      "isPocketMoney!=true && name~'pocket' && thresholdType='percent'"
+    )}&perPage=500`,
+    { headers: { Authorization: `Bearer ${t}` } }
+  );
+  for (const rec of (await legacyRes.json())?.items || []) {
+    await fetch(`${PB_ENDPOINT}/api/collections/bonus_configs/records/${rec.id}`, {
+      method: "PATCH",
+      headers: { "Content-Type": "application/json", Authorization: `Bearer ${t}` },
+      body: JSON.stringify({ isPocketMoney: true }),
+    }).catch(() => {});
+  }
   const childrenRes = await fetch(
     `${PB_ENDPOINT}/api/collections/users/records?filter=role='child'&perPage=500`,
     { headers: { Authorization: `Bearer ${t}` } }
@@ -399,4 +446,143 @@ async function backfillPocketMoney(): Promise<void> {
     }).catch(() => {});
   }
   console.log("[migrate] Pocket-money droplets ensured.");
-}
\ No newline at end of file
+}
+
+// Promote chore_templates / bonus_templates to platform-owned: add global/icon/
+// color fields, make famId optional, and relax read rules so any family can see
+// global (platform) templates as assignable droplets. Idempotent. Seeds a
+// starter set of global templates on first run for out-of-the-box usage.
+async function ensureTemplateFields(): Promise<void> {
+  const readRule = "global = true || famId = @request.auth.famId";
+  for (const name of ["chore_templates", "bonus_templates"]) {
+    const col = await getCollection(name);
+    if (!col) continue;
+    const has = (n: string) => col.fields.some((f: any) => f.name === n);
+    let changed = false;
+    const fields = [...col.fields];
+    for (const f of [
+      { name: "global", type: "bool", required: false },
+      { name: "icon", type: "text", required: false },
+      { name: "color", type: "text", required: false },
+    ]) {
+      if (!has(f.name)) {
+        fields.push(f);
+        changed = true;
+      }
+    }
+    const famId = fields.find((f: any) => f.name === "famId");
+    if (famId && famId.required) {
+      famId.required = false;
+      changed = true;
+    }
+    if (col.listRule !== readRule || col.viewRule !== readRule) {
+      col.listRule = readRule;
+      col.viewRule = readRule;
+      changed = true;
+    }
+    if (changed) await updateCollection(col.id, { ...col, fields });
+  }
+  await seedGlobalTemplates();
+}
+
+const GLOBAL_TEMPLATE_ICONS = [
+  "Bed",
+  "Sparkles",
+  "BookOpen",
+  "Utensils",
+  "Wallet",
+  "Trophy",
+  "Star",
+  "Moon",
+  "Sun",
+  "Apple",
+  "Car",
+  "Gamepad2",
+  "Music",
+  "Shirt",
+  "Leaf",
+  "Heart",
+  "Gift",
+  "Timer",
+];
+
+async function seedGlobalTemplates(): Promise<void> {
+  const t = await auth();
+  const countGlobal = async (name: string) => {
+    const res = await fetch(
+      `${PB_ENDPOINT}/api/collections/${name}/records?filter=global=true&perPage=1`,
+      { headers: { Authorization: `Bearer ${t}` } }
+    );
+    return ((await res.json())?.items?.length) || 0;
+  };
+  if ((await countGlobal("chore_templates")) > 0 || (await countGlobal("bonus_templates")) > 0) {
+    console.log("[migrate] Global templates already present — skipping seed.");
+    return;
+  }
+
+  const choreSeeds = [
+    { name: "Make Bed", defaultFrequency: "daily", defaultType: "points", defaultValue: 2, icon: "Bed", color: "#6366f1" },
+    { name: "Tidy Room", defaultFrequency: "weekly", defaultType: "points", defaultValue: 10, icon: "Sparkles", color: "#8b5cf6" },
+    { name: "Homework", defaultFrequency: "daily", defaultType: "points", defaultValue: 5, icon: "BookOpen", color: "#0ea5e9" },
+    { name: "Set Table", defaultFrequency: "daily", defaultType: "money", defaultValue: 1, icon: "Utensils", color: "#10b981" },
+  ];
+  const bonusSeeds = [
+    {
+      name: "Pocket Money",
+      target: "individual",
+      type: "threshold",
+      thresholdType: "percent",
+      occurrence: "recurring",
+      rewardType: "cash",
+      rewardValue: "",
+      criteriaValue: 50,
+      period: "weekly",
+      isPocketMoney: true,
+      icon: "Wallet",
+      color: "#22c55e",
+    },
+    {
+      name: "Reading Bonus",
+      target: "individual",
+      type: "count",
+      occurrence: "recurring",
+      rewardType: "points",
+      rewardValue: "50",
+      criteriaValue: 5,
+      period: "weekly",
+      icon: "BookOpen",
+      color: "#f59e0b",
+    },
+    {
+      name: "Star of the Week",
+      target: "competitive",
+      type: "threshold",
+      thresholdType: "points",
+      occurrence: "weekly",
+      rewardType: "prize",
+      rewardValue: "Treat",
+      criteriaValue: 100,
+      period: "weekly",
+      icon: "Trophy",
+      color: "#ef4444",
+    },
+  ];
+
+  for (const s of choreSeeds) {
+    await fetch(`${PB_ENDPOINT}/api/collections/chore_templates/records`, {
+      method: "POST",
+      headers: { "Content-Type": "application/json", Authorization: `Bearer ${t}` },
+      body: JSON.stringify({ ...s, global: true }),
+    }).catch(() => {});
+  }
+  for (const s of bonusSeeds) {
+    await fetch(`${PB_ENDPOINT}/api/collections/bonus_templates/records`, {
+      method: "POST",
+      headers: { "Content-Type": "application/json", Authorization: `Bearer ${t}` },
+      body: JSON.stringify({ ...s, global: true }),
+    }).catch(() => {});
+  }
+  console.log("[migrate] Seeded global templates.");
+}
+
+export { GLOBAL_TEMPLATE_ICONS };
\ No newline at end of file
diff --git a/frontend/src/lib/server/services/completions.ts b/frontend/src/lib/server/services/completions.ts
index c8166ab..d47fc61 100644
--- a/frontend/src/lib/server/services/completions.ts
+++ b/frontend/src/lib/server/services/completions.ts
@@ -53,15 +53,33 @@ export async function toggle(pb: any, famId: string, memberId: string, body: { a
 		.getFullList({ filter });
 	if (existing?.length > 0) {
 		await pb.collection('completions').delete(existing[0].id);
+		// Un-completing a cash todo removes its one-time reward.
+		if (isTodo && existing[0].rewardId) {
+			await pb.collection('rewards').delete(existing[0].rewardId).catch(() => {});
+		}
 		evaluateFam(pb, famId).catch(() => {});
 		return { completed: false };
 	}
+	let rewardId: string | undefined;
+	if (isTodo && chore?.type === 'money' && Number(chore.value) > 0) {
+		const reward = await pb.collection('rewards').create({
+			famId,
+			memberId,
+			label: chore.customName || 'Cash todo',
+			value: Number(chore.value),
+			rewardType: 'cash',
+			status: 'unclaimed',
+			date
+		});
+		rewardId = reward.id;
+	}
 	const record = await pb.collection('completions').create({
 		famId,
 		memberId,
 		assignedChoreId,
 		date,
-		completedAt: new Date().toISOString()
+		completedAt: new Date().toISOString(),
+		...(rewardId ? { rewardId } : {})
 	});
 	evaluateFam(pb, famId).catch(() => {});
 	return { completed: true, record };
diff --git a/frontend/src/lib/server/services/crud.ts b/frontend/src/lib/server/services/crud.ts
index faf9583..dedf775 100644
--- a/frontend/src/lib/server/services/crud.ts
+++ b/frontend/src/lib/server/services/crud.ts
@@ -6,10 +6,10 @@ const RESOURCES: Record<
 	string,
 	{ col: string; listFilter: (famId: string) => string; bonus?: 'config' | 'template' }
 > = {
-	'chore-templates': { col: 'chore_templates', listFilter: (f) => `famId = '${f}'` },
+	'chore-templates': { col: 'chore_templates', listFilter: (f) => `(famId = '${f}' || global = true)` },
 	members: { col: 'users', listFilter: (f) => `famId = '${f}' && role = 'child'` },
 	'assigned-chores': { col: 'assigned_chores', listFilter: (f) => `famId = '${f}'` },
-	'bonus-templates': { col: 'bonus_templates', listFilter: (f) => `famId = '${f}'`, bonus: 'template' },
+	'bonus-templates': { col: 'bonus_templates', listFilter: (f) => `(famId = '${f}' || global = true)`, bonus: 'template' },
 	'bonus-configs': { col: 'bonus_configs', listFilter: (f) => `famId = '${f}'`, bonus: 'config' },
 	completions: { col: 'completions', listFilter: (f) => `famId = '${f}'` },
 	rewards: { col: 'rewards', listFilter: (f) => `famId = '${f}'` },
diff --git a/frontend/src/lib/stores/fam.svelte.ts b/frontend/src/lib/stores/fam.svelte.ts
index 6b1a369..91c1ef4 100644
--- a/frontend/src/lib/stores/fam.svelte.ts
+++ b/frontend/src/lib/stores/fam.svelte.ts
@@ -99,7 +99,7 @@ class FamStore {
 					pb.collection('users').getFullList({
 					filter: `famId = '${famId}' && role = 'child'`
 				}) as Promise<Member[]>,
-					pb.collection('chore_templates').getFullList({ filter: `famId = '${famId}'` }) as Promise<
+					pb.collection('chore_templates').getFullList({ filter: `(famId = '${famId}' || global = true)` }) as Promise<
 						ChoreTemplate[]
 					>,
 					pb.collection('assigned_chores').getFullList({ filter: `famId = '${famId}'` }) as Promise<
@@ -111,7 +111,7 @@ class FamStore {
 					pb.collection('bonus_configs').getFullList({ filter: `famId = '${famId}'` }) as Promise<
 						BonusConfig[]
 					>,
-					pb.collection('bonus_templates').getFullList({ filter: `famId = '${famId}'` }) as Promise<
+					pb.collection('bonus_templates').getFullList({ filter: `(famId = '${famId}' || global = true)` }) as Promise<
 						BonusTemplate[]
 					>,
 					pb.collection('rewards').getFullList({ filter: `famId = '${famId}'` }) as Promise<
@@ -146,11 +146,11 @@ class FamStore {
 	private async subscribe() {
 		const subs: { collection: CollectionName; filter: string }[] = [
 			{ collection: 'users', filter: `famId = '${this.famId}' && role = 'child'` },
-			{ collection: 'chore_templates', filter: `famId = '${this.famId}'` },
+			{ collection: 'chore_templates', filter: `(famId = '${this.famId}' || global = true)` },
 			{ collection: 'assigned_chores', filter: `famId = '${this.famId}'` },
 			{ collection: 'completions', filter: `famId = '${this.famId}'` },
 			{ collection: 'bonus_configs', filter: `famId = '${this.famId}'` },
-			{ collection: 'bonus_templates', filter: `famId = '${this.famId}'` },
+			{ collection: 'bonus_templates', filter: `(famId = '${this.famId}' || global = true)` },
 			{ collection: 'rewards', filter: `famId = '${this.famId}'` },
 			{ collection: 'seasons', filter: `famId = '${this.famId}'` }
 		];
diff --git a/frontend/src/lib/types.ts b/frontend/src/lib/types.ts
index de14161..a562fc3 100644
--- a/frontend/src/lib/types.ts
+++ b/frontend/src/lib/types.ts
@@ -23,6 +23,9 @@ export interface BonusTemplate {
 	criteriaValue?: number;
 	period?: BonusPeriod;
 	isPocketMoney?: boolean;
+	global?: boolean;
+	icon?: string;
+	color?: string;
 	created: string;
 	updated: string;
 }
@@ -71,6 +74,9 @@ export interface ChoreTemplate {
 	defaultFrequency: Frequency;
 	defaultType: RewardType;
 	defaultValue: number;
+	global?: boolean;
+	icon?: string;
+	color?: string;
 	created: string;
 	updated: string;
 }
@@ -84,6 +90,10 @@ export interface AssignedChore {
 	type: RewardType;
 	value: number;
 	customName?: string;
+	description?: string;
+	icon?: string;
+	color?: string;
+	emoji?: string;
 	seasonIds?: string[];
 	isTodo?: boolean;
 	startDate?: string;
diff --git a/frontend/src/routes/[fam]/[username]/+page.svelte b/frontend/src/routes/[fam]/[username]/+page.svelte
index 4c9a13f..f190094 100644
--- a/frontend/src/routes/[fam]/[username]/+page.svelte
+++ b/frontend/src/routes/[fam]/[username]/+page.svelte
@@ -124,7 +124,7 @@
 		setTimeout(() => (toast = ''), 4000);
 	}
 
-	function handleResult({ result }, onSuccess = null) {
+	function handleResult({ result }: any, onSuccess: ((d: any) => void) | null = null) {
 		const d = result.data || {};
 		if (d.error) showToast(d.error);
 		else if (result.type === 'success') {
@@ -273,6 +273,38 @@
 			})
 	);
 
+	// Celebration badge — completed todos from the last 24h, dismissed per-device
+	// via localStorage (no PB storage; auto-expires after 24h).
+	let celebrateDismissed = $state<string[]>([]);
+	if (typeof localStorage !== 'undefined') {
+		celebrateDismissed = JSON.parse(localStorage.getItem('celebrateDismissed') || '[]');
+	}
+	function dismissCelebrate(id: string) {
+		if (!celebrateDismissed.includes(id)) {
+			celebrateDismissed = [...celebrateDismissed, id];
+			try {
+				localStorage.setItem('celebrateDismissed', JSON.stringify(celebrateDismissed));
+			} catch {}
+		}
+	}
+	let celebrations = $derived.by(() => {
+		const cutoff = Date.now() - 24 * 3600 * 1000;
+		return completions
+			.filter((c: Completion) => {
+				if (c.id.startsWith('optimistic-')) return false;
+				const at = c.completedAt ? new Date(c.completedAt).getTime() : 0;
+				if (!at || at < cutoff) return false;
+				const chore = assigned.find((a) => a.id === c.assignedChoreId);
+				return !!chore?.isTodo && !celebrateDismissed.includes(c.id);
+			})
+			.map((c: Completion) => {
+				const chore = assigned.find((a) => a.id === c.assignedChoreId);
+				const emoji =
+					chore?.type === 'emoji' ? chore.emoji || '🎉' : chore?.type === 'money' ? '💸' : '⭐';
+				return { id: c.id, emoji, name: chore?.customName || 'Todo' };
+			});
+	});
+
 	let dailyPending = $derived(
 		memberChores.filter((a) => a.frequency === 'daily' && !isCompleted(a.id, todayChild))
 	);
@@ -640,11 +672,13 @@
 							<div class="card-header">
 								<span class="dot" style="background:{m.color}"></span>
 								<span class="member-name">{m.name}</span>
-								<Button
-									href="/{famSlug}/{username}/bonuses?s=pocketmoney"
-									variant="secondary"
-									size="sm">Pocket money</Button
-								>
+								{#if !(pm && pm.rewardValue)}
+									<Button
+										href="/{famSlug}/{username}/bonuses?s=pocketmoney"
+										variant="secondary"
+										size="sm">Pocket money</Button
+									>
+								{/if}
 							</div>
 							<div class="stats">
 								<span>Points: {s?.pointsEarned ?? 0}</span>
@@ -1163,6 +1197,17 @@ const res = await fetch('/api/members', {
 				</div>
 			</div>
 		{:else}
+		{#if celebrations.length > 0}
+			<div class="celebrations">
+				{#each celebrations as cel}
+					<div class="celebrate-card">
+						<span class="celebrate-emoji">{cel.emoji}</span>
+						<span class="celebrate-text"><strong>{cel.name}</strong> complete — amazing work!</span>
+						<button class="celebrate-close" onclick={() => dismissCelebrate(cel.id)}>✕</button>
+					</div>
+				{/each}
+			</div>
+		{/if}
 		<div class="kanban">
 			<div class="column col-daily">
 				<h2>🎯 Daily ({dailyPending.length})</h2>
@@ -1206,7 +1251,7 @@ const res = await fetch('/api/members', {
 								<span class="checkbox">📋</span>
 								<span class="chore-name">{todo.customName || 'Todo'}</span>
 								<span class="todo-label">todo</span>
-								<span class="chore-value">🎯</span>
+								<span class="chore-value">{todo.emoji || '🎯'}</span>
 							</div>
 						{:else}
 							<button
@@ -1222,7 +1267,11 @@ const res = await fetch('/api/members', {
 								<span class="checkbox">📋</span>
 								<span class="chore-name">{todo.customName || 'Todo'}</span>
 								<span class="todo-label">todo</span>
-								<span class="chore-value">{todo.value} {todo.type}</span>
+								<span class="chore-value">
+									{todo.type === 'money'
+										? `£${Number(todo.value).toFixed(2)}`
+										: `${todo.value} pts`}
+								</span>
 							</button>
 						{/if}
 					{/each}
@@ -1879,6 +1928,48 @@ const res = await fetch('/api/members', {
 	}
 
 	/* ── Kanban ── */
+	.celebrations {
+		display: flex;
+		flex-direction: column;
+		gap: 0.5rem;
+		margin-bottom: 0.75rem;
+	}
+	.celebrate-card {
+		display: flex;
+		align-items: center;
+		gap: 0.6rem;
+		background: linear-gradient(90deg, #fef3c7, #fce7f3);
+		border: 1px solid #fcd34d;
+		border-radius: 12px;
+		padding: 0.55rem 0.85rem;
+		animation: celebrate-pop 0.35s ease-out;
+	}
+	@keyframes celebrate-pop {
+		from {
+			transform: scale(0.9);
+			opacity: 0;
+		}
+		to {
+			transform: scale(1);
+			opacity: 1;
+		}
+	}
+	.celebrate-emoji {
+		font-size: 1.6rem;
+	}
+	.celebrate-text {
+		flex: 1;
+		font-size: 0.85rem;
+		color: #78350f;
+	}
+	.celebrate-close {
+		background: none;
+		border: none;
+		color: #92400e;
+		cursor: pointer;
+		font-size: 0.85rem;
+		padding: 0.15rem;
+	}
 	.kanban {
 		display: grid;
 		grid-template-columns: 1fr 1fr 1fr;
diff --git a/frontend/src/routes/[fam]/[username]/bonuses/+page.server.ts b/frontend/src/routes/[fam]/[username]/bonuses/+page.server.ts
index 0c8cd34..dcccc5b 100644
--- a/frontend/src/routes/[fam]/[username]/bonuses/+page.server.ts
+++ b/frontend/src/routes/[fam]/[username]/bonuses/+page.server.ts
@@ -198,7 +198,8 @@ export const actions = {
 			criteriaValue: parseInt(fd.get('criteriaValue') as string, 10) || 0,
 			period: fd.get('period') || '',
 			memberId: fd.get('memberId') || '',
-			status
+			status,
+			isPocketMoney: !!fd.get('isPocketMoney')
 		};
 		if (data.occurrence === 'once') data.period = '';
 		try {
diff --git a/frontend/src/routes/[fam]/[username]/bonuses/+page.svelte b/frontend/src/routes/[fam]/[username]/bonuses/+page.svelte
index 5ca9b93..3c393ea 100644
--- a/frontend/src/routes/[fam]/[username]/bonuses/+page.svelte
+++ b/frontend/src/routes/[fam]/[username]/bonuses/+page.svelte
@@ -4,6 +4,8 @@
 	import { enhance } from '$app/forms';
 	import { famStore } from '$lib/stores/fam.svelte';
 	import { ViewHeader, CardGrid, Card, Button } from '$lib/components';
+	import TemplateIcon from '$lib/components/TemplateIcon.svelte';
+	import Clock from '@lucide/svelte/icons/clock';
 	import type {
 		BonusConfig,
 		BonusTemplate,
@@ -15,10 +17,8 @@
 
 	let { data }: { data: PageData } = $props();
 
-	let showCreateModal = $state(false);
 	let showEditModal = $state(false);
 	let editingConfig = $state<BonusConfig | null>(null);
-	let editingTemplate = $state<BonusTemplate | null>(null);
 	let creatingFromTemplate = $state<BonusTemplate | null>(null);
 
 	let createVals = $state({
@@ -74,7 +74,7 @@
 	let createIsPercent = $derived(createVals.type === 'threshold' && createVals.thresholdType === 'percent');
 	let editIsPercent = $derived(editVals.type === 'threshold' && editVals.thresholdType === 'percent');
 
-	let templateConfigs = $derived(templates as BonusTemplate[]);
+	let templateConfigs = $derived((templates as BonusTemplate[]).filter((t) => t.global));
 	let allBonusConfigs = $derived(
 		configs.filter((c: BonusConfig) => c.status !== 'completed') as BonusConfig[]
 	);
@@ -137,7 +137,6 @@
 		if (!tpl) return;
 		creatingFromTemplate = tpl;
 		editingConfig = null;
-		editingTemplate = null;
 		editVals = {
 			name: tpl.name,
 			description: tpl.description || '',
@@ -173,26 +172,18 @@
 		if (raw) openCreateFromTemplate(raw, 'collaborative');
 	}
 
-	function handleCreate() {
-		return async ({ result }: any) => {
-			if (result.type === 'success') showCreateModal = false;
-		};
-	}
-
 	function handleUpdate() {
 		return async ({ result }: any) => {
 			if (result.type === 'success') {
 				showEditModal = false;
 				creatingFromTemplate = null;
 				editingConfig = null;
-				editingTemplate = null;
 			}
 		};
 	}
 
 	function openEditConfig(cfg: BonusConfig) {
 		editingConfig = cfg;
-		editingTemplate = null;
 		creatingFromTemplate = null;
 		editVals = {
 			name: cfg.name,
@@ -245,58 +236,32 @@
 		<div class="template-section">
 			<h3>Templates — Drag to assign</h3>
 			<div class="template-list">
-				{#each templateConfigs as cfg}
-					<div class="template-card" draggable="true" ondragstart={(e) => handleDragStart(e, cfg)}>
-						<div class="card-head">
-							<strong>{cfg.name}</strong>
-						</div>
-						<div class="badges">
-							<span class="badge {badgeClass(cfg)}">{cfg.target}</span>
-							<span class="badge">{cfg.type}</span>
-							<span class="badge">{cfg.occurrence}</span>
-							{#if cfg.period}
-								<span class="badge period">{cfg.period}</span>
-							{/if}
-							{#if cfg.isPocketMoney}
-								<span class="badge pocket">Pocket Money</span>
-							{/if}
-						</div>
-						<div class="reward-preview">
-							{formatReward(cfg.rewardType, cfg.rewardValue)}
-						</div>
-						<Button
-							variant="ghost"
-							size="sm"
-							onclick={() => {
-								editingTemplate = cfg;
-								editingConfig = null;
-								creatingFromTemplate = null;
-								editVals = {
-									name: cfg.name,
-									description: cfg.description || '',
-									target: cfg.target,
-									memberId: '',
-									type: cfg.type,
-									thresholdType: cfg.thresholdType || 'points',
-									occurrence: cfg.occurrence,
-									rewardType: cfg.rewardType,
-									rewardValue: cfg.rewardValue,
-									criteriaValue: cfg.criteriaValue || 10,
-									period: cfg.occurrence === 'once' ? '' : cfg.period || '',
-									startMode: 'today'
-								};
-								showEditModal = true;
-							}}
-						>
-							Edit
-						</Button>
+			{#each templateConfigs as cfg}
+				<div class="template-card" draggable="true" ondragstart={(e) => handleDragStart(e, cfg)} style="border-left-color:{cfg.color}">
+					<div class="card-head">
+						<TemplateIcon name={cfg.icon} size={18} color={cfg.color} />
+						<strong>{cfg.name}</strong>
 					</div>
-				{/each}
+					<div class="badges">
+						<span class="badge {badgeClass(cfg)}">{cfg.target}</span>
+						<span class="badge">{cfg.type}</span>
+						<span class="badge">{cfg.occurrence}</span>
+						{#if cfg.period}
+							<span class="badge period">{cfg.period}</span>
+						{/if}
+						{#if cfg.isPocketMoney}
+							<span class="badge pocket">Pocket Money</span>
+						{/if}
+					</div>
+					<div class="reward-preview">
+						{formatReward(cfg.rewardType, cfg.rewardValue)}
+					</div>
+				</div>
+			{/each}
 				{#if templateConfigs.length === 0}
 					<p class="empty">No templates yet</p>
 				{/if}
 			</div>
-			<Button onclick={() => (showCreateModal = true)}>New Template</Button>
 		</div>
 	</Card>
 	<Card cols={3} scrollX>
@@ -305,7 +270,14 @@
 			<div class="column member-col" ondragover={handleDragOver} ondrop={handleDropToMember}>
 				<h3>Member</h3>
 				{#each allBonusConfigs.filter((c) => c.target === 'individual' && !doneConfigs.includes(c)) as cfg}
-					<div class="col-card" class:disabled={disabledIds.has(cfg.id)}>
+					<div
+						class="col-card"
+						class:disabled={disabledIds.has(cfg.id)}
+						role="button"
+						tabindex="0"
+						onclick={() => openEditConfig(cfg)}
+						onkeydown={(e) => e.key === 'Enter' && openEditConfig(cfg)}
+					>
 						<div class="col-card-head">
 							<strong>{cfg.name}</strong>
 							<div class="badges">
@@ -316,6 +288,9 @@
 									<span class="badge pocket">Pocket Money</span>
 								{/if}
 							</div>
+							<span class="reward-total {cfg.rewardType}">
+								{cfg.rewardType === 'cash' ? `£${Number(cfg.rewardValue).toFixed(2)}` : `${cfg.rewardValue} pts`}
+							</span>
 						</div>
 						{#each members as m}
 							{#if !cfg.memberId || cfg.memberId === m.id}
@@ -344,16 +319,14 @@
 											</div>
 										{/if}
 										<span class="stat {p?.state ?? 'pending'}">
-											{p ? p.state : 'Pending'}
+											{#if !p || p.state === 'pending'}<Clock size={13} />{:else}{p.state}{/if}
 										</span>
 									</div>
 								{/if}
 							{/if}
 						{/each}
 						<div class="col-card-foot">
-							<Button variant="secondary" size="sm" onclick={() => openEditConfig(cfg)}>
-								Edit
-							</Button>
+							<span class="click-edit">Click to edit</span>
 						</div>
 					</div>
 				{/each}
@@ -367,7 +340,14 @@
 				<h3>Competition</h3>
 				{#each allBonusConfigs.filter((c) => c.target === 'competitive' && !doneConfigs.includes(c)) as cfg}
 					{@const prog = progressByConfigId.get(cfg.id)}
-					<div class="col-card" class:disabled={disabledIds.has(cfg.id)}>
+					<div
+						class="col-card"
+						class:disabled={disabledIds.has(cfg.id)}
+						role="button"
+						tabindex="0"
+						onclick={() => openEditConfig(cfg)}
+						onkeydown={(e) => e.key === 'Enter' && openEditConfig(cfg)}
+					>
 						<div class="col-card-head">
 							<strong>{cfg.name}</strong>
 							<div class="badges">
@@ -375,6 +355,9 @@
 								<span class="badge">{cfg.type}</span>
 								<span class="badge">{cfg.occurrence}</span>
 							</div>
+							<span class="reward-total {cfg.rewardType}">
+								{cfg.rewardType === 'cash' ? `£${Number(cfg.rewardValue).toFixed(2)}` : `${cfg.rewardValue} pts`}
+							</span>
 						</div>
 						{#if prog}
 							<div class="leaderboard">
@@ -397,16 +380,14 @@
 											</div>
 										{/if}
 										<span class="stat {p.state}">
-											{p.state}
+											{#if p.state === 'pending'}<Clock size={13} />{:else}{p.state}{/if}
 										</span>
 									</div>
 								{/each}
 							</div>
 						{/if}
 						<div class="col-card-foot">
-							<Button variant="secondary" size="sm" onclick={() => openEditConfig(cfg)}>
-								Edit
-							</Button>
+							<span class="click-edit">Click to edit</span>
 						</div>
 					</div>
 				{/each}
@@ -420,7 +401,14 @@
 				<h3>Collaboration</h3>
 				{#each allBonusConfigs.filter((c) => c.target === 'collaborative') as cfg}
 					{@const prog = progressByConfigId.get(cfg.id)}
-					<div class="col-card" class:disabled={disabledIds.has(cfg.id)}>
+					<div
+						class="col-card"
+						class:disabled={disabledIds.has(cfg.id)}
+						role="button"
+						tabindex="0"
+						onclick={() => openEditConfig(cfg)}
+						onkeydown={(e) => e.key === 'Enter' && openEditConfig(cfg)}
+					>
 						<div class="col-card-head">
 							<strong>{cfg.name}</strong>
 							<div class="badges">
@@ -428,6 +416,9 @@
 								<span class="badge">{cfg.type}</span>
 								<span class="badge">{cfg.occurrence}</span>
 							</div>
+							<span class="reward-total {cfg.rewardType}">
+								{cfg.rewardType === 'cash' ? `£${Number(cfg.rewardValue).toFixed(2)}` : `${cfg.rewardValue} pts`}
+							</span>
 						</div>
 						{#if prog}
 							{@const team = prog.progress[0]}
@@ -453,15 +444,13 @@
 										{cfg.type === 'threshold' ? 'pts' : 'chores'}</span
 									>
 									<span class="stat {team.state}">
-										{team.state}
+										{#if team.state === 'pending'}<Clock size={13} />{:else}{team.state}{/if}
 									</span>
 								</div>
 							{/if}
 						{/if}
 						<div class="col-card-foot">
-							<Button variant="secondary" size="sm" onclick={() => openEditConfig(cfg)}>
-								Edit
-							</Button>
+							<span class="click-edit">Click to edit</span>
 						</div>
 					</div>
 				{/each}
@@ -471,146 +460,32 @@
 			</div>
 		</div>
 
-		{#if showCreateModal}
-			<div class="overlay" onclick={() => (showCreateModal = false)} role="presentation">
-				<div class="modal" onclick={(e) => e.stopPropagation()} role="dialog">
-					<h3>New Bonus Template</h3>
-					<form method="POST" action="?/createTemplate" use:enhance={handleCreate}>
-						<label>Name <input name="name" bind:value={createVals.name} required /></label>
-						<label
-							>Description <input name="description" bind:value={createVals.description} /></label
-						>
-						<label
-							>Target
-							<select name="target" bind:value={createVals.target}>
-								<option value="individual">Individual</option>
-								<option value="competitive">Competition</option>
-								<option value="collaborative">Collaborative</option>
-							</select>
-						</label>
-						<label
-							>Type
-							<select name="type" bind:value={createVals.type}>
-								<option value="threshold">Threshold</option>
-								<option value="count">Count</option>
-								<option value="manual">Manual</option>
-							</select>
-						</label>
-						{#if createVals.type === 'threshold'}
-							<label
-								>Threshold by
-								<select name="thresholdType" bind:value={createVals.thresholdType}>
-									<option value="points">Points</option>
-									<option value="percent">% of chores done</option>
-								</select>
-							</label>
-						{/if}
-						{#if showCriteriaForCreate}
-							{#if createIsPercent}
-								<label
-									>Chores completed (%)
-									<input
-										type="range"
-										min="0"
-										max="100"
-										name="criteriaValue"
-										bind:value={createVals.criteriaValue}
-									/>
-									<span class="hint">{createVals.criteriaValue}% of chores this week</span>
-								</label>
-							{:else}
-								<label
-									>Target Value
-									<input
-										type="number"
-										name="criteriaValue"
-										bind:value={createVals.criteriaValue}
-										required
-									/>
-									<span class="hint"
-										>{createVals.type === 'threshold' ? 'Points to reach' : 'Number of chores'}</span
-									>
-								</label>
-							{/if}
-						{/if}
-						<label
-							>Occurrence
-							<select name="occurrence" bind:value={createVals.occurrence}>
-								<option value="recurring">Recurring</option>
-								<option value="once">Once</option>
-							</select>
-						</label>
-						{#if showPeriodForCreate}
-							<label
-								>Period
-								<select name="period" bind:value={createVals.period}>
-									<option value="">None</option>
-									<option value="daily">Daily</option>
-									<option value="weekly">Weekly</option>
-									<option value="monthly">Monthly</option>
-								</select>
-							</label>
-						{/if}
-						<label
-							>Reward Type
-							<select name="rewardType" bind:value={createVals.rewardType}>
-								<option value="points">Points</option>
-								<option value="cash">Cash</option>
-								<option value="prize">Prize</option>
-							</select>
-						</label>
-						<label
-							>Reward Value
-							<input name="rewardValue" bind:value={createVals.rewardValue} required />
-							<span class="hint"
-								>{createVals.rewardType === 'cash'
-									? 'Amount in £ (e.g. 2.00 = £2.00)'
-									: createVals.rewardType === 'points'
-										? 'Points to award'
-										: 'Prize description'}</span
-							>
-						</label>
-						<div class="modal-actions">
-							<button type="button" onclick={() => (showCreateModal = false)}>Cancel</button>
-							<button type="submit">Create</button>
-						</div>
-					</form>
-				</div>
-			</div>
-		{/if}
-
 		<!-- Edit / Create-from-Template Modal -->
-		{#if showEditModal && (editingConfig || editingTemplate || creatingFromTemplate)}
-			{@const targetCfg = creatingFromTemplate || editingConfig || editingTemplate!}
+		{#if showEditModal && (editingConfig || creatingFromTemplate)}
+			{@const targetCfg = creatingFromTemplate || editingConfig!}
 			<div
 				class="overlay"
 				onclick={() => {
 					showEditModal = false;
 					creatingFromTemplate = null;
 					editingConfig = null;
-					editingTemplate = null;
 				}}
 				role="presentation"
 			>
 				<div class="modal" onclick={(e) => e.stopPropagation()} role="dialog">
 					<h3>
-						{creatingFromTemplate
-							? 'Create from: '
-							: editingTemplate
-								? 'Edit Template: '
-								: 'Edit: '}{targetCfg.name}
+						{creatingFromTemplate ? 'Create from: ' : 'Edit: '}{targetCfg.name}
 					</h3>
 					<form
 						method="POST"
-						action={editingTemplate
-							? '?/updateTemplate'
-							: creatingFromTemplate
-								? '?/createFromTemplate'
-								: '?/updateConfig'}
+						action={creatingFromTemplate ? '?/createFromTemplate' : '?/updateConfig'}
 						use:enhance={handleUpdate}
 					>
-						{#if editingConfig || editingTemplate}
-							<input type="hidden" name="id" value={editingConfig?.id || editingTemplate!.id} />
+						{#if editingConfig}
+							<input type="hidden" name="id" value={editingConfig?.id} />
+						{/if}
+						{#if creatingFromTemplate}
+							<input type="hidden" name="isPocketMoney" value={creatingFromTemplate.isPocketMoney ? '1' : ''} />
 						{/if}
 						<label>Name <input name="name" bind:value={editVals.name} required /></label>
 						<label>Description <input name="description" bind:value={editVals.description} /></label
@@ -804,7 +679,7 @@
 									Delete
 								</button>
 							{/if}
-							<button type="submit">{creatingFromTemplate ? 'Confirm' : 'Save'}</button>
+							<button type="submit">{creatingFromTemplate ? 'Assign' : 'Save'}</button>
 						</div>
 					</form>
 				</div>
@@ -822,22 +697,14 @@
 		font-size: 1rem;
 	}
 	.template-list {
-		display: grid;
+		display: flex;
+		flex-wrap: wrap;
 		gap: 0.5rem;
 		margin-bottom: 0.75rem;
-		grid-template-columns: repeat(4, minmax(0, 1fr));
-	}
-	@media (max-width: 1100px) {
-		.template-list {
-			grid-template-columns: repeat(3, minmax(0, 1fr));
-		}
-	}
-	@media (max-width: 720px) {
-		.template-list {
-			grid-template-columns: repeat(2, minmax(0, 1fr));
-		}
 	}
 	.template-card {
+		flex: 0 1 auto;
+		min-width: 160px;
 		background: white;
 		border: 1px solid #e5e7eb;
 		border-left: 4px solid #8b5cf6;
@@ -877,8 +744,9 @@
 	}
 	.card-head {
 		display: flex;
-		justify-content: space-between;
+		justify-content: flex-start;
 		align-items: center;
+		gap: 0.4rem;
 		margin-bottom: 0.4rem;
 	}
 	.card-head strong {
@@ -957,6 +825,7 @@
 		border-radius: 10px;
 		padding: 0.65rem 0.85rem;
 		margin-bottom: 0.6rem;
+		cursor: pointer;
 		transition: transform 0.15s, box-shadow 0.15s, border-color 0.15s;
 	}
 	.col-card:hover {
@@ -964,6 +833,27 @@
 		box-shadow: 0 3px 8px rgba(0, 0, 0, 0.08);
 		border-color: #c7d2fe;
 	}
+	.col-card:focus-visible {
+		outline: 2px solid #6366f1;
+		outline-offset: 2px;
+	}
+	.reward-total {
+		margin-left: auto;
+		font-size: 0.8rem;
+		font-weight: 700;
+		white-space: nowrap;
+	}
+	.reward-total.cash {
+		color: #16a34a;
+	}
+	.reward-total.points {
+		color: #9333ea;
+	}
+	.click-edit {
+		margin-left: auto;
+		font-size: 0.68rem;
+		color: #9ca3af;
+	}
 	.col-card.done {
 		opacity: 0.75;
 	}
@@ -986,6 +876,7 @@
 	.col-card-foot {
 		margin-top: 0.5rem;
 		display: flex;
+		justify-content: flex-end;
 		gap: 0.3rem;
 	}
 	.member-progress {
@@ -1027,6 +918,9 @@
 		padding: 0.1rem 0.25rem;
 		border-radius: 0.25rem;
 		background: #e5e7eb;
+		display: inline-flex;
+		align-items: center;
+		gap: 0.15rem;
 	}
 	.stat.pending {
 		background: #e5e7eb;
diff --git a/frontend/src/routes/[fam]/[username]/chores/+page.server.ts b/frontend/src/routes/[fam]/[username]/chores/+page.server.ts
index d304621..e4b8cfd 100644
--- a/frontend/src/routes/[fam]/[username]/chores/+page.server.ts
+++ b/frontend/src/routes/[fam]/[username]/chores/+page.server.ts
@@ -7,7 +7,7 @@ export async function load(event) {
 	const famId = event.locals.user.famId;
 	const pb = pbUser(event);
 	const [templates, members, assigned, seasons, completions] = await Promise.all([
-		pb.collection('chore_templates').getFullList({ filter: `famId = '${famId}'` }),
+		pb.collection('chore_templates').getFullList({ filter: `(famId = '${famId}' || global = true)` }),
 		pb.collection('users').getFullList({
 			filter: `famId = '${famId}' && role = 'child'`
 		}),
@@ -111,8 +111,10 @@ export const actions = {
 			const completeBy = fd.get('completeBy') as string;
 			const startDate = fd.get('startDate') as string;
 			if (type) data.type = type;
-			if (type === 'emoji') data.value = 0;
-			else if (fd.get('value')) data.value = parseFloat(fd.get('value') as string) || 0;
+			if (type === 'emoji') {
+				data.value = 0;
+				data.emoji = (fd.get('emoji') as string) || '🎉';
+			} else if (fd.get('value')) data.value = parseFloat(fd.get('value') as string) || 0;
 			data.customName = customName || undefined;
 			if (completeBy) data.completeBy = completeBy;
 			if (startDate) data.startDate = startDate;
@@ -146,6 +148,7 @@ export const actions = {
 		const name = fd.get('name') as string;
 		const type = fd.get('type') as string;
 		const value = type === 'emoji' ? 0 : (parseFloat(fd.get('value') as string) || 0);
+		const emoji = type === 'emoji' ? ((fd.get('emoji') as string) || '🎉') : '';
 		const todoStart = fd.get('todoStart') as string;
 		const todoCompleteBy = fd.get('todoCompleteBy') as string;
 		const customDate = fd.get('customDate') as string;
@@ -181,6 +184,7 @@ export const actions = {
 			value,
 			customName: name,
 			isTodo: true,
+			emoji,
 			startDate,
 			completeBy
 		};
diff --git a/frontend/src/routes/[fam]/[username]/chores/+page.svelte b/frontend/src/routes/[fam]/[username]/chores/+page.svelte
index 81a5fc6..1c3cc00 100644
--- a/frontend/src/routes/[fam]/[username]/chores/+page.svelte
+++ b/frontend/src/routes/[fam]/[username]/chores/+page.svelte
@@ -3,6 +3,7 @@
 	import { page } from '$app/state';
 	import { famStore } from '$lib/stores/fam.svelte';
 	import { ViewHeader, CardGrid, Card } from '$lib/components';
+	import TemplateIcon from '$lib/components/TemplateIcon.svelte';
 	import { formatHumanDate } from '$lib/format';
 	import type { ChoreTemplate, AssignedChore, Member, Season, Completion } from '$lib/types';
 
@@ -14,48 +15,53 @@
 
 	let { data, form } = $props();
 
-	let showCreateModal = $state(false);
 	let showEditModal = $state(false);
-	let showEditTemplateModal = $state(false);
 	let showTodoModal = $state(false);
 	let editingAssignment = $state<AssignedChore | null>(null);
-	let editingTemplate = $state<ChoreTemplate | null>(null);
 	let editMemberId = $state('');
 	let draggedTemplateId = $state<string | null>(null);
 	let todoMemberId = $state('');
 
-	let createName = $state('');
-	let createFreq = $state('daily');
-	let createType = $state('points');
-	let createValue = $state(10);
+	// Assign-from-template modal (platform templates are copied into the family
+	// as assigned chores; the fam admin amends before saving).
+	let assignModal = $state<{ t: ChoreTemplate; memberId: string } | null>(null);
+	let assignFreq = $state('daily');
+	let assignType = $state('points');
+	let assignValue = $state(10);
+	let assignSeasonIds = $state<string[]>([]);
 
 	// Todo form state
 	let todoName = $state('');
-	let todoType = $state<'points' | 'emoji'>('points');
+	let todoType = $state<'points' | 'money' | 'emoji'>('points');
 	let todoValue = $state(10);
+	let todoEmoji = $state('🎉');
+	let showTodoEmojiPicker = $state(false);
 	let todoStart = $state<'now' | 'next-week'>('now');
 	let todoCompleteBy = $state<'next-week' | 'custom'>('next-week');
 	let todoCustomDate = $state('');
 
+	// Curated celebration emojis for todos
+	const EMOJI_CHOICES = [
+		'🎉', '⭐', '🏆', '💪', '🧹', '📚', '🦸', '✨', '🌟', '🥇',
+		'🎯', '💚', '🚀', '🦄', '🌈', '🍀', '🎨', '🎸', '⚽', '🍰'
+	];
+
 	let editFreq = $state('daily');
 	let editType = $state('points');
 	let editValue = $state(10);
 	let editCustomName = $state('');
+	let editEmoji = $state('🎉');
 	let editTodoCompleteBy = $state('');
 	let editTodoStartDate = $state('');
 
-	let editTplName = $state('');
-	let editTplFreq = $state('daily');
-	let editTplType = $state('points');
-	let editTplValue = $state(10);
-
 	let seasonFilter = $state('all');
 	let editSeasonIds = $state<string[]>([]);
 
-	let templates = $state(
-		famStore.initialized
-			? (famStore.templates as ChoreTemplate[])
-			: (data.templates as ChoreTemplate[]) || []
+	// Platform-owned templates only — families assign these, they don't create.
+	let templates = $derived(
+		((famStore.initialized ? (famStore.templates as ChoreTemplate[]) : (data.templates as ChoreTemplate[])) || []).filter(
+			(t: ChoreTemplate) => t.global
+		)
 	);
 	let members = $state(
 		famStore.initialized ? (famStore.members as Member[]) : (data.members as Member[]) || []
@@ -122,20 +128,29 @@
 	async function handleDrop(e: DragEvent, memberId: string) {
 		e.preventDefault();
 		const tid = e.dataTransfer?.getData('text/plain') || draggedTemplateId;
-		if (!tid) return;
 		draggedTemplateId = null;
+		if (!tid) return;
+		const t = templates.find((x) => x.id === tid);
+		if (!t) return;
+		assignModal = { t, memberId };
+		assignFreq = t.defaultFrequency;
+		assignType = t.defaultType;
+		assignValue = t.defaultValue;
+		assignSeasonIds = seasonFilter !== 'all' ? [seasonFilter] : [];
+	}
 
+	async function assignChore() {
+		if (!assignModal) return;
 		const s = page.data.session as any;
 		if (!s) return;
-		const def = getDefault(tid);
 		const body: Record<string, unknown> = {
-			memberId,
-			templateId: tid,
-			frequency: def.frequency,
-			type: def.type,
-			value: def.value
+			memberId: assignModal.memberId,
+			templateId: assignModal.t.id,
+			frequency: assignFreq,
+			type: assignType,
+			value: assignValue
 		};
-		if (seasonFilter !== 'all') body.seasonIds = [seasonFilter];
+		if (assignSeasonIds.length) body.seasonIds = assignSeasonIds;
 		await fetch(`/api/admin/${s.famId}/assigned-chores`, {
 			method: 'POST',
 			headers: {
@@ -145,6 +160,7 @@
 			},
 			body: JSON.stringify(body)
 		});
+		assignModal = null;
 	}
 
 	// Accordion state per member: which section is open
@@ -160,6 +176,8 @@
 		todoName = '';
 		todoType = 'points';
 		todoValue = 10;
+		todoEmoji = '🎉';
+		showTodoEmojiPicker = false;
 		todoStart = 'now';
 		todoCompleteBy = 'custom';
 		todoCustomDate = defaultCompleteByDate();
@@ -209,6 +227,7 @@
 		editType = a.type;
 		editValue = a.value;
 		editCustomName = a.customName || '';
+		editEmoji = a.emoji || '🎉';
 		editSeasonIds = a.seasonIds ? [...a.seasonIds] : [];
 		editTodoCompleteBy = a.completeBy || '';
 		editTodoStartDate = a.startDate || '';
@@ -220,32 +239,6 @@
 		editingAssignment = null;
 	}
 
-	function openEditTemplate(t: ChoreTemplate) {
-		editingTemplate = t;
-		editTplName = t.name;
-		editTplFreq = t.defaultFrequency;
-		editTplType = t.defaultType;
-		editTplValue = t.defaultValue;
-		showEditTemplateModal = true;
-	}
-
-	function closeEditTemplate() {
-		showEditTemplateModal = false;
-		editingTemplate = null;
-	}
-
-	function enhanceCreate() {
-		return async ({ result }: any) => {
-			if (result.type === 'success') {
-				showCreateModal = false;
-				const rec = result.data?.record;
-				if (rec) {
-					templates = [rec as ChoreTemplate, ...templates];
-				}
-			}
-		};
-	}
-
 	function enhanceUpdateAssigned() {
 		return async ({ result }: any) => {
 			if (result.type === 'success' && editingAssignment) {
@@ -256,7 +249,8 @@
 					};
 					if (editingAssignment.isTodo) {
 						updates.type = editType;
-						updates.value = editValue;
+						updates.value = editType === 'emoji' ? 0 : editValue;
+						updates.emoji = editType === 'emoji' ? editEmoji : undefined;
 						updates.completeBy = editTodoCompleteBy;
 						updates.startDate = editTodoStartDate;
 					} else {
@@ -271,30 +265,6 @@
 			closeEdit();
 		};
 	}
-
-	function enhanceUpdateTemplate() {
-		return async ({ result, formData }: any) => {
-			if (result.type === 'success' && editingTemplate) {
-				const tid = editingTemplate!.id;
-				const idx = templates.findIndex((t: any) => t.id === tid);
-				if (idx !== -1) {
-					templates[idx] = {
-						...templates[idx],
-						name: editTplName,
-						defaultFrequency: editTplFreq,
-						defaultType: editTplType,
-						defaultValue: editTplValue
-					} as ChoreTemplate;
-					assigned = assigned.map((a: any) =>
-						a.templateId === tid
-							? { ...a, frequency: editTplFreq, type: editTplType, value: editTplValue }
-							: a
-					) as AssignedChore[];
-					closeEditTemplate();
-				}
-			}
-		};
-	}
 </script>
 
 <ViewHeader title="Chore Assignment" hero />
@@ -321,8 +291,9 @@
 			</div>
 			<div class="template-list">
 				{#each templates as t}
-					<div class="card template" draggable="true" ondragstart={(e) => handleDragStart(e, t.id)}>
-						<div class="card-body" onclick={() => openEditTemplate(t)} role="button" tabindex="0">
+					<div class="card template" draggable="true" ondragstart={(e) => handleDragStart(e, t.id)} style="border-left-color:{t.color}">
+						<div class="card-body">
+							<TemplateIcon name={t.icon} size={18} color={t.color} />
 							<strong>{t.name}</strong>
 							<span class="badge">{t.defaultFrequency}</span>
 							<span class="badge type">{t.defaultType}</span>
@@ -330,18 +301,12 @@
 						<div class="card-value">
 							{t.defaultType === 'money' ? `£${Number(t.defaultValue).toFixed(2)}` : t.defaultValue}
 						</div>
-						<div class="card-actions">
-							<button onclick={() => openEditTemplate(t)} class="edit-btn" title="Edit template"
-								>✎</button
-							>
-						</div>
 					</div>
 				{/each}
 				{#if templates.length === 0}
 					<p class="empty">No templates yet</p>
 				{/if}
 			</div>
-			<button class="add-inline" onclick={() => (showCreateModal = true)}>＋ New template</button>
 		</div>
 	</Card>
 
@@ -389,7 +354,9 @@
 											<strong class="todo-admin-name">{a.customName || 'Todo'}</strong>
 											<div class="todo-admin-meta">
 												{#if a.type === 'emoji'}
-													<span class="todo-admin-type">🎯 emoji</span>
+													<span class="todo-admin-type">{a.emoji || '🎉'} celebration</span>
+												{:else if a.type === 'money'}
+													<span class="todo-admin-type">£{Number(a.value).toFixed(2)} cash</span>
 												{:else}
 													<span class="todo-admin-type"
 														><span class="badge badge-pts">{a.value} pts</span></span
@@ -484,101 +451,36 @@
 	</Card>
 </CardGrid>
 
-<!-- Create Template Modal -->
-{#if showCreateModal}
-	<div class="overlay" onclick={() => (showCreateModal = false)} role="presentation">
+<!-- Assign from Template Modal -->
+{#if assignModal}
+	<div class="overlay" onclick={() => (assignModal = null)} role="presentation">
 		<div class="modal" onclick={(e) => e.stopPropagation()} role="dialog">
-			<h3>New Chore Template</h3>
-			<form method="POST" action="?/createTemplate" use:enhance={enhanceCreate}>
-				<label>
-					Name
-					<input name="name" bind:value={createName} required />
-				</label>
-				<label>
-					Frequency
-					<select name="defaultFrequency" bind:value={createFreq}>
-						<option value="daily">Daily</option>
-						<option value="weekly">Weekly</option>
-					</select>
-				</label>
-				<label>
-					Type
-					<select name="defaultType" bind:value={createType}>
-						<option value="points">Points</option>
-						<option value="money">Money</option>
-					</select>
-				</label>
-				<label>
-					Default Value
-					<input name="defaultValue" type="number" step="any" bind:value={createValue} required />
-				</label>
-				<div class="modal-actions">
-					<button type="button" onclick={() => (showCreateModal = false)}>Cancel</button>
-					<button type="submit">Create</button>
-				</div>
-			</form>
-		</div>
-	</div>
-{/if}
-
-<!-- Edit Template Modal -->
-{#if showEditTemplateModal && editingTemplate}
-	<div class="overlay" onclick={closeEditTemplate} role="presentation">
-		<div class="modal" onclick={(e) => e.stopPropagation()} role="dialog">
-			<h3>Edit Template: {editingTemplate.name}</h3>
-			<p class="hint">Changes will also update all existing assigned chores using this template.</p>
-			<form id="updateTplForm" method="POST" action="?/updateTemplate" use:enhance={enhanceUpdateTemplate}>
-				<input name="id" type="hidden" value={editingTemplate.id} />
-				<label>
-					Name
-					<input name="name" bind:value={editTplName} required />
-				</label>
-				<label>
-					Frequency
-					<select name="defaultFrequency" bind:value={editTplFreq}>
-						<option value="daily">Daily</option>
-						<option value="weekly">Weekly</option>
-					</select>
-				</label>
-				<label>
-					Type
-					<select name="defaultType" bind:value={editTplType}>
-						<option value="points">Points</option>
-						<option value="money">Money</option>
-					</select>
-				</label>
-				<label>
-					Default Value
-					<input name="defaultValue" type="number" step="any" bind:value={editTplValue} required />
-				</label>
-			</form>
+			<h3>Assign: {assignModal.t.name}</h3>
+			<p class="hint">
+				Copies this platform template into {members.find((m) => m.id === assignModal?.memberId)?.name}'s
+				chores. Amend, then Assign.
+			</p>
+			<label>
+				Frequency
+				<select bind:value={assignFreq}>
+					<option value="daily">Daily</option>
+					<option value="weekly">Weekly</option>
+				</select>
+			</label>
+			<label>
+				Type
+				<select bind:value={assignType}>
+					<option value="points">Points</option>
+					<option value="money">Money</option>
+				</select>
+			</label>
+			<label>
+				Value
+				<input type="number" step="any" bind:value={assignValue} />
+			</label>
 			<div class="modal-actions">
-				<button type="button" onclick={closeEditTemplate}>Cancel</button>
-				<form
-					method="POST"
-					action="?/deleteTemplate"
-					use:enhance={() => {
-						return async ({ result, formData }) => {
-							if (result.type === 'success') {
-								const id = formData.get('id');
-								templates = templates.filter((t) => t.id !== id) as ChoreTemplate[];
-								closeEditTemplate();
-							}
-						};
-					}}
-				>
-					<input type="hidden" name="id" value={editingTemplate.id} />
-					<button
-						type="submit"
-						class="delete-btn"
-						onclick={(e) => {
-							if (!confirm('Delete this template? This cannot be undone.')) {
-								e.preventDefault();
-							}
-						}}>Delete</button
-					>
-				</form>
-				<button type="submit" form="updateTplForm">Save</button>
+				<button type="button" onclick={() => (assignModal = null)}>Cancel</button>
+				<button type="button" onclick={assignChore}>Assign</button>
 			</div>
 		</div>
 	</div>
@@ -608,7 +510,8 @@
 						Type
 						<select name="type" bind:value={editType}>
 							<option value="points">Points</option>
-							<option value="emoji">Emoji</option>
+							<option value="money">Cash</option>
+							<option value="emoji">Celebration</option>
 						</select>
 					</label>
 					{#if editType === 'points'}
@@ -616,6 +519,37 @@
 							Points value
 							<input name="value" type="number" bind:value={editValue} required />
 						</label>
+					{:else if editType === 'money'}
+						<label>
+							Cash amount (£)
+							<input name="value" type="number" step="0.01" min="0.01" bind:value={editValue} required />
+						</label>
+					{:else}
+						<input type="hidden" name="emoji" value={editEmoji} />
+						<div class="emoji-field">
+							<span class="emoji-preview">{editEmoji}</span>
+							<button
+								type="button"
+								class="link-btn"
+								onclick={() => (showTodoEmojiPicker = !showTodoEmojiPicker)}>
+								{showTodoEmojiPicker ? 'Hide' : 'Choose'}
+							</button>
+						</div>
+						{#if showTodoEmojiPicker}
+							<div class="emoji-grid">
+								{#each EMOJI_CHOICES as e}
+									<button
+										type="button"
+										class="emoji-opt"
+										class:selected={e === editEmoji}
+										onclick={() => {
+											editEmoji = e;
+											showTodoEmojiPicker = false;
+										}}>{e}</button
+									>
+								{/each}
+							</div>
+						{/if}
 					{/if}
 					<label>
 						Start date
@@ -721,7 +655,8 @@
 					Type
 					<select name="type" bind:value={todoType}>
 						<option value="points">Points</option>
-						<option value="emoji">Emoji</option>
+						<option value="money">Cash</option>
+						<option value="emoji">Celebration</option>
 					</select>
 				</label>
 				{#if todoType === 'points'}
@@ -729,6 +664,34 @@
 						Points value
 						<input name="value" type="number" bind:value={todoValue} required />
 					</label>
+				{:else if todoType === 'money'}
+					<label>
+						Cash amount (£)
+						<input name="value" type="number" step="0.01" min="0.01" bind:value={todoValue} required />
+					</label>
+				{:else}
+					<input type="hidden" name="emoji" value={todoEmoji} />
+					<div class="emoji-field">
+						<span class="emoji-preview">{todoEmoji}</span>
+						<button type="button" class="link-btn" onclick={() => (showTodoEmojiPicker = !showTodoEmojiPicker)}>
+							{showTodoEmojiPicker ? 'Hide' : 'Choose'}
+						</button>
+					</div>
+					{#if showTodoEmojiPicker}
+						<div class="emoji-grid">
+							{#each EMOJI_CHOICES as e}
+								<button
+									type="button"
+									class="emoji-opt"
+									class:selected={e === todoEmoji}
+									onclick={() => {
+										todoEmoji = e;
+										showTodoEmojiPicker = false;
+									}}>{e}</button
+								>
+							{/each}
+						</div>
+					{/if}
 				{/if}
 				<label>
 					Starts
@@ -786,20 +749,20 @@
 		font-weight: 700;
 	}
 	.template-list {
-		display: grid;
+		display: flex;
+		flex-wrap: wrap;
 		gap: 0.5rem;
 		margin-bottom: 0.75rem;
-		grid-template-columns: repeat(4, minmax(0, 1fr));
 	}
-	@media (max-width: 1100px) {
-		.template-list {
-			grid-template-columns: repeat(3, minmax(0, 1fr));
-		}
+	.template-list .card.template {
+		flex: 0 1 auto;
+		min-width: 150px;
 	}
-	@media (max-width: 720px) {
-		.template-list {
-			grid-template-columns: repeat(2, minmax(0, 1fr));
-		}
+	.template-list .card.template .card-body {
+		display: flex;
+		flex-wrap: wrap;
+		align-items: center;
+		gap: 0.4rem;
 	}
 
 	/* ── Kanban (3 columns, scrolls via Card scrollX) ── */
@@ -877,6 +840,7 @@
 	.card {
 		background: white;
 		border: 1px solid #e5e7eb;
+		border-left: 4px solid #8b5cf6;
 		border-radius: 8px;
 		padding: 0.5rem 0.75rem;
 		margin-bottom: 0.4rem;
@@ -896,9 +860,11 @@
 	.card-body {
 		flex: 1;
 		min-width: 0;
+		display: flex;
+		align-items: center;
+		gap: 0.4rem;
 	}
 	.card-body strong {
-		display: block;
 		font-size: 0.85rem;
 		white-space: nowrap;
 		overflow: hidden;
@@ -1192,6 +1158,38 @@
 		font-size: 0.7rem;
 		margin-top: 0.15rem;
 	}
+	.emoji-field {
+		display: flex;
+		align-items: center;
+		gap: 0.5rem;
+	}
+	.emoji-preview {
+		font-size: 1.4rem;
+	}
+	.emoji-grid {
+		display: flex;
+		flex-wrap: wrap;
+		gap: 0.25rem;
+		padding: 0.4rem;
+		border: 1px solid #e5e7eb;
+		border-radius: 8px;
+		margin-bottom: 0.5rem;
+	}
+	.emoji-opt {
+		font-size: 1.2rem;
+		background: none;
+		border: 1px solid transparent;
+		border-radius: 6px;
+		padding: 0.15rem 0.3rem;
+		cursor: pointer;
+	}
+	.emoji-opt:hover {
+		background: #f3f4f6;
+	}
+	.emoji-opt.selected {
+		border-color: #6366f1;
+		background: #eef2ff;
+	}
 	.todo-admin-type {
 		color: #6b7280;
 		font-weight: 600;
diff --git a/frontend/src/routes/admin/+page.server.ts b/frontend/src/routes/admin/+page.server.ts
index 8acde5f..33486cf 100644
--- a/frontend/src/routes/admin/+page.server.ts
+++ b/frontend/src/routes/admin/+page.server.ts
@@ -23,6 +23,8 @@ export const load: PageServerLoad = async (event) => {
 			authenticated: false,
 			fams: [],
 			codes: [],
+			choreTemplates: [],
+			bonusTemplates: [],
 			platformFlags: {},
 			totalFams: 0,
 			totalMembers: 0,
@@ -82,10 +84,17 @@ export const load: PageServerLoad = async (event) => {
 				usedBy: usage[c.id] || []
 			}));
 
+		const [choreTemplates, bonusTemplates] = await Promise.all([
+			pbAdmin.getList('chore_templates', 'global = true'),
+			pbAdmin.getList('bonus_templates', 'global = true')
+		]);
+
 		return {
 			authenticated: true,
 			fams: famsWithStats,
 			codes: codeList,
+			choreTemplates: choreTemplates as any[],
+			bonusTemplates: bonusTemplates as any[],
 			totalFams: fams.length,
 			totalMembers: famsWithStats.reduce((s, f) => s + f.memberCount, 0),
 			totalRewards: famsWithStats.reduce((s, f) => s + f.totalRewards, 0),
@@ -110,6 +119,8 @@ export const load: PageServerLoad = async (event) => {
 			subCount: 0,
 			gatedCount: 0,
 			codeCount: 0,
+			choreTemplates: [],
+			bonusTemplates: [],
 			loadError: e instanceof Error ? e.message : 'Failed to load platform data'
 		};
 	}
@@ -225,5 +236,113 @@ export const actions: Actions = {
 		} catch (e) {
 			return fail(500, { error: e instanceof Error ? e.message : 'Failed to delete code' });
 		}
+	},
+
+	// Platform-owned chore/reward templates. `type` selects the target
+	// collection (chore_templates | bonus_templates); the droplet is always
+	// global (visible to every family as an assignable source).
+	createTemplate: async (event) => {
+		requirePlatform(event);
+		const fd = await event.request.formData();
+		const type = fd.get('type') as string;
+		const name = (fd.get('name') as string || '').trim();
+		const description = (fd.get('description') as string) || '';
+		const icon = (fd.get('icon') as string) || '';
+		const color = (fd.get('color') as string) || '#6366f1';
+		if (!name) return fail(400, { error: 'Name required' });
+
+		try {
+			if (type === 'chore') {
+				await pbAdmin.create('chore_templates', {
+					name,
+					description,
+					icon,
+					color,
+					global: true,
+					defaultFrequency: (fd.get('defaultFrequency') as string) || 'daily',
+					defaultType: (fd.get('defaultType') as string) || 'points',
+					defaultValue: Number(fd.get('defaultValue') || 0)
+				});
+			} else {
+				await pbAdmin.create('bonus_templates', {
+					name,
+					description,
+					icon,
+					color,
+					global: true,
+					target: (fd.get('target') as string) || 'individual',
+					type: (fd.get('bonusType') as string) || 'threshold',
+					thresholdType: (fd.get('thresholdType') as string) || 'points',
+					occurrence: (fd.get('occurrence') as string) || 'recurring',
+					rewardType: (fd.get('rewardType') as string) || 'points',
+					rewardValue: (fd.get('rewardValue') as string) || '',
+					criteriaValue: Number(fd.get('criteriaValue') || 0),
+					period: (fd.get('period') as string) || 'weekly',
+					isPocketMoney: fd.get('isPocketMoney') === 'true'
+				});
+			}
+			return { success: true };
+		} catch (e) {
+			return fail(500, { error: e instanceof Error ? e.message : 'Failed to create template' });
+		}
+	},
+
+	updateTemplate: async (event) => {
+		requirePlatform(event);
+		const fd = await event.request.formData();
+		const kind = fd.get('kind') as string; // chore | reward
+		const id = fd.get('id') as string;
+		if (!id) return fail(400, { error: 'Missing id' });
+		const name = (fd.get('name') as string || '').trim();
+		const description = (fd.get('description') as string) || '';
+		const icon = (fd.get('icon') as string) || '';
+		const color = (fd.get('color') as string) || '#6366f1';
+
+		try {
+			if (kind === 'chore') {
+				await pbAdmin.update('chore_templates', id, {
+					name,
+					description,
+					icon,
+					color,
+					defaultFrequency: (fd.get('defaultFrequency') as string) || 'daily',
+					defaultType: (fd.get('defaultType') as string) || 'points',
+					defaultValue: Number(fd.get('defaultValue') || 0)
+				});
+			} else {
+				await pbAdmin.update('bonus_templates', id, {
+					name,
+					description,
+					icon,
+					color,
+					target: (fd.get('target') as string) || 'individual',
+					type: (fd.get('bonusType') as string) || 'threshold',
+					thresholdType: (fd.get('thresholdType') as string) || 'points',
+					occurrence: (fd.get('occurrence') as string) || 'recurring',
+					rewardType: (fd.get('rewardType') as string) || 'points',
+					rewardValue: (fd.get('rewardValue') as string) || '',
+					criteriaValue: Number(fd.get('criteriaValue') || 0),
+					period: (fd.get('period') as string) || 'weekly',
+					isPocketMoney: fd.get('isPocketMoney') === 'true'
+				});
+			}
+			return { success: true };
+		} catch (e) {
+			return fail(500, { error: e instanceof Error ? e.message : 'Failed to update template' });
+		}
+	},
+
+	deleteTemplate: async (event) => {
+		requirePlatform(event);
+		const fd = await event.request.formData();
+		const kind = fd.get('kind') as string;
+		const id = fd.get('id') as string;
+		if (!id) return fail(400, { error: 'Missing id' });
+		try {
+			await pbAdmin.remove(kind === 'chore' ? 'chore_templates' : 'bonus_templates', id);
+			return { success: true };
+		} catch (e) {
+			return fail(500, { error: e instanceof Error ? e.message : 'Failed to delete template' });
+		}
 	}
 };
diff --git a/frontend/src/routes/admin/+page.svelte b/frontend/src/routes/admin/+page.svelte
index 988b793..de028f4 100644
--- a/frontend/src/routes/admin/+page.svelte
+++ b/frontend/src/routes/admin/+page.svelte
@@ -3,6 +3,8 @@
 	import { goto, invalidateAll } from '$app/navigation';
 	import { page } from '$app/state';
 	import { ViewHeader, CardGrid, Card, Button } from '$lib/components';
+	import TemplateIcon from '$lib/components/TemplateIcon.svelte';
+	import { ICON_NAMES } from '$lib/templateIcons';
 	import Footer from '$lib/components/Footer.svelte';
 
 	let { data, form } = $props();
@@ -20,6 +22,65 @@
 		canceled: 'Canceled',
 		none: 'None'
 	};
+
+	// ── Platform template management ──
+	type TplKind = 'chore' | 'reward';
+	let showTplModal = $state(false);
+	let editingTpl = $state<{ kind: TplKind; id: string } | null>(null);
+	let tplType = $state<TplKind>('chore');
+	const blankTpl = {
+		name: '',
+		description: '',
+		icon: 'Star',
+		color: '#6366f1',
+		defaultFrequency: 'daily',
+		defaultType: 'points',
+		defaultValue: 0,
+		target: 'individual',
+		bonusType: 'threshold',
+		thresholdType: 'points',
+		occurrence: 'recurring',
+		rewardType: 'points',
+		rewardValue: '',
+		criteriaValue: 0,
+		period: 'weekly',
+		isPocketMoney: false
+	};
+	let tplVals = $state({ ...blankTpl });
+
+	function openNewTpl(kind: TplKind) {
+		editingTpl = null;
+		tplType = kind;
+		tplVals = { ...blankTpl };
+		showTplModal = true;
+	}
+	function openEditTpl(kind: TplKind, rec: any) {
+		editingTpl = { kind, id: rec.id };
+		tplType = kind;
+		tplVals = {
+			name: rec.name || '',
+			description: rec.description || '',
+			icon: rec.icon || 'Star',
+			color: rec.color || '#6366f1',
+			defaultFrequency: rec.defaultFrequency || 'daily',
+			defaultType: rec.defaultType || 'points',
+			defaultValue: rec.defaultValue ?? 0,
+			target: rec.target || 'individual',
+			bonusType: rec.type || 'threshold',
+			thresholdType: rec.thresholdType || 'points',
+			occurrence: rec.occurrence || 'recurring',
+			rewardType: rec.rewardType || 'points',
+			rewardValue: rec.rewardValue ?? '',
+			criteriaValue: rec.criteriaValue ?? 0,
+			period: rec.period || 'weekly',
+			isPocketMoney: !!rec.isPocketMoney
+		};
+		showTplModal = true;
+	}
+	const allTemplates = $derived([
+		...(data.choreTemplates || []).map((t: any) => ({ ...t, kind: 'chore' as TplKind })),
+		...(data.bonusTemplates || []).map((t: any) => ({ ...t, kind: 'reward' as TplKind }))
+	]);
 </script>
 
 <div class="shell">
@@ -258,6 +319,184 @@
 		</Card>
 	</CardGrid>
 
+	<CardGrid>
+		<Card cols={3} title="Templates" accent="#8b5cf6">
+			<p class="muted">
+				Platform-owned chore &amp; reward droplets. Families assign these as read-only sources — they
+				can't create their own.
+			</p>
+			<div class="tpl-grid">
+				{#each allTemplates as t}
+					<div class="tpl-card" style="border-left-color:{t.color}">
+						<div class="tpl-head">
+							<TemplateIcon name={t.icon} size={20} color={t.color} />
+							<strong>{t.name}</strong>
+						</div>
+						<div class="tpl-meta">
+							<span class="badge">{t.kind}</span>
+							{#if t.isPocketMoney}<span class="badge pocket">Pocket Money</span>{/if}
+						</div>
+						<div class="tpl-actions">
+							<button class="link-btn" onclick={() => openEditTpl(t.kind, t)}>Edit</button>
+							<form
+								method="POST"
+								action="?/deleteTemplate"
+								use:enhance={() => {
+									return async ({ result, update }) => {
+										update();
+									};
+								}}
+							>
+								<input type="hidden" name="kind" value={t.kind} />
+								<input type="hidden" name="id" value={t.id} />
+								<button
+									type="submit"
+									class="link-btn danger"
+									onclick={(e) => {
+										if (!confirm('Delete this template?')) e.preventDefault();
+									}}>Delete</button
+								>
+							</form>
+						</div>
+					</div>
+				{/each}
+				{#if allTemplates.length === 0}
+					<p class="muted">No templates yet.</p>
+				{/if}
+			</div>
+			<div class="tpl-new">
+				<Button onclick={() => openNewTpl('chore')}>+ Chore template</Button>
+				<Button onclick={() => openNewTpl('reward')}>+ Reward template</Button>
+			</div>
+		</Card>
+	</CardGrid>
+
+	{#if showTplModal}
+		<div class="overlay" onclick={() => (showTplModal = false)} role="presentation">
+			<div class="modal" onclick={(e) => e.stopPropagation()} role="dialog">
+				<h3>{editingTpl ? 'Edit' : 'New'} {tplType} template</h3>
+				<form
+					method="POST"
+					action={editingTpl ? '?/updateTemplate' : '?/createTemplate'}
+					use:enhance={() => {
+						return async ({ result, update }) => {
+							if (result.type === 'success') showTplModal = false;
+							update();
+						};
+					}}
+				>
+					{#if editingTpl}
+						<input type="hidden" name="kind" value={editingTpl.kind} />
+						<input type="hidden" name="id" value={editingTpl.id} />
+					{/if}
+					<input type="hidden" name="type" value={tplType} />
+					<label>Name <input name="name" bind:value={tplVals.name} required /></label>
+					<label>Description <input name="description" bind:value={tplVals.description} /></label>
+					<div class="row">
+						<label>
+							Icon
+							<select name="icon" bind:value={tplVals.icon}>
+								{#each ICON_NAMES as n}<option value={n}>{n}</option>{/each}
+							</select>
+						</label>
+						<span class="icon-preview"><TemplateIcon name={tplVals.icon} size={22} color={tplVals.color} /></span>
+						<label>
+							Colour
+							<input type="color" name="color" bind:value={tplVals.color} />
+						</label>
+					</div>
+
+					{#if tplType === 'chore'}
+						<label>
+							Frequency
+							<select name="defaultFrequency" bind:value={tplVals.defaultFrequency}>
+								<option value="daily">Daily</option>
+								<option value="weekly">Weekly</option>
+							</select>
+						</label>
+						<label>
+							Type
+							<select name="defaultType" bind:value={tplVals.defaultType}>
+								<option value="points">Points</option>
+								<option value="money">Money</option>
+							</select>
+						</label>
+						<label>
+							Default Value
+							<input type="number" step="any" name="defaultValue" bind:value={tplVals.defaultValue} />
+						</label>
+					{:else}
+						<label>
+							Target
+							<select name="target" bind:value={tplVals.target}>
+								<option value="individual">Individual</option>
+								<option value="competitive">Competition</option>
+								<option value="collaborative">Collaborative</option>
+							</select>
+						</label>
+						<label>
+							Type
+							<select name="bonusType" bind:value={tplVals.bonusType}>
+								<option value="threshold">Threshold</option>
+								<option value="count">Count</option>
+								<option value="manual">Manual</option>
+							</select>
+						</label>
+						{#if tplVals.bonusType === 'threshold'}
+							<label>
+								Threshold by
+								<select name="thresholdType" bind:value={tplVals.thresholdType}>
+									<option value="points">Points</option>
+									<option value="percent">% of chores done</option>
+								</select>
+							</label>
+						{/if}
+						<label>
+							Occurrence
+							<select name="occurrence" bind:value={tplVals.occurrence}>
+								<option value="recurring">Recurring</option>
+								<option value="once">Once</option>
+							</select>
+						</label>
+						<label>
+							Reward Type
+							<select name="rewardType" bind:value={tplVals.rewardType}>
+								<option value="points">Points</option>
+								<option value="cash">Cash</option>
+								<option value="prize">Prize</option>
+							</select>
+						</label>
+						<label>
+							Reward Value
+							<input name="rewardValue" bind:value={tplVals.rewardValue} />
+						</label>
+						<label>
+							Target Value
+							<input type="number" name="criteriaValue" bind:value={tplVals.criteriaValue} />
+						</label>
+						<label>
+							Period
+							<select name="period" bind:value={tplVals.period}>
+								<option value="daily">Daily</option>
+								<option value="weekly">Weekly</option>
+								<option value="monthly">Monthly</option>
+							</select>
+						</label>
+						<label class="check">
+							<input type="checkbox" name="isPocketMoney" value="true" bind:checked={tplVals.isPocketMoney} />
+							Pocket Money
+						</label>
+					{/if}
+
+					<div class="modal-actions">
+						<button type="button" onclick={() => (showTplModal = false)}>Cancel</button>
+						<button type="submit">{editingTpl ? 'Save' : 'Create'}</button>
+					</div>
+				</form>
+			</div>
+		</div>
+	{/if}
+
 {/if}
 	</main>
 
@@ -669,4 +908,97 @@
 			border-bottom: none !important;
 		}
 	}
+
+	/* ── Template management ── */
+	.tpl-grid {
+		display: flex;
+		flex-wrap: wrap;
+		gap: 0.6rem;
+		margin: 0.75rem 0;
+	}
+	.tpl-card {
+		flex: 0 1 auto;
+		min-width: 180px;
+		background: #fff;
+		border: 1px solid #e5e7eb;
+		border-left: 4px solid #8b5cf6;
+		border-radius: 10px;
+		padding: 0.6rem 0.75rem;
+	}
+	.tpl-head {
+		display: flex;
+		align-items: center;
+		gap: 0.5rem;
+		margin-bottom: 0.35rem;
+	}
+	.tpl-head strong { font-size: 0.9rem; }
+	.tpl-meta { display: flex; gap: 0.3rem; flex-wrap: wrap; margin-bottom: 0.4rem; }
+	.tpl-actions { display: flex; gap: 0.75rem; }
+	.tpl-new { display: flex; gap: 0.6rem; margin-top: 0.5rem; }
+	.row { display: flex; align-items: flex-end; gap: 0.75rem; flex-wrap: wrap; }
+	.icon-preview {
+		display: inline-flex;
+		align-items: center;
+		justify-content: center;
+		width: 40px;
+		height: 40px;
+		border: 1px solid #e5e7eb;
+		border-radius: 8px;
+	}
+	.badge.pocket { background: #dcfce7; color: #166534; }
+	.check { display: flex; align-items: center; gap: 0.4rem; }
+
+	/* ── Modal (shared) ── */
+	.overlay {
+		position: fixed;
+		inset: 0;
+		background: rgba(15, 23, 42, 0.45);
+		display: flex;
+		align-items: center;
+		justify-content: center;
+		padding: 1rem;
+		z-index: 50;
+	}
+	.modal {
+		background: #fff;
+		border-radius: 14px;
+		padding: 1.25rem 1.5rem;
+		width: min(440px, 100%);
+		max-height: 88vh;
+		overflow: auto;
+		box-shadow: 0 20px 50px rgba(0, 0, 0, 0.25);
+	}
+	.modal h3 { margin: 0 0 0.75rem; }
+	.modal label {
+		display: block;
+		margin-bottom: 0.6rem;
+		font-size: 0.85rem;
+		color: #374151;
+	}
+	.modal input,
+	.modal select {
+		display: block;
+		width: 100%;
+		margin-top: 0.25rem;
+		padding: 0.5rem;
+		border: 1px solid #d1d5db;
+		border-radius: 6px;
+		font-size: 0.9rem;
+		box-sizing: border-box;
+	}
+	.modal-actions {
+		display: flex;
+		gap: 0.5rem;
+		justify-content: flex-end;
+		margin-top: 0.5rem;
+	}
+	.modal-actions button {
+		padding: 0.5rem 1rem;
+		border: none;
+		border-radius: 6px;
+		cursor: pointer;
+		font-size: 0.9rem;
+	}
+	.modal-actions button[type='button'] { background: #e5e7eb; color: #374151; }
+	.modal-actions button[type='submit'] { background: #6366f1; color: #fff; }
 </style>
diff --git a/frontend/src/routes/signup/+page.server.ts b/frontend/src/routes/signup/+page.server.ts
index 1f0fc85..f568fb6 100644
--- a/frontend/src/routes/signup/+page.server.ts
+++ b/frontend/src/routes/signup/+page.server.ts
@@ -54,24 +54,9 @@ export const actions = {
 				role: 'parent'
 			});
 			await pbAdmin.create('settings', { famId: fam.id });
-			// Seed the family-level POCKET MONEY bonus template (the teaching
-			// droplet). Per-child instances are created when each child joins.
-			await pbAdmin
-				.create('bonus_templates', {
-					famId: fam.id,
-					name: 'POCKET MONEY',
-					description: 'Weekly pocket money for children',
-					target: 'individual',
-					type: 'threshold',
-					thresholdType: 'percent',
-					occurrence: 'recurring',
-					rewardType: 'cash',
-					rewardValue: '',
-					criteriaValue: 50,
-					period: 'weekly',
-					isPocketMoney: true
-				})
-				.catch(() => null);
+			// Pocket money is a platform-owned global template (seeded by migrate)
+			// and per-child instances are created when each child joins — no
+			// family-level template needed here.
 		} catch (e) {
 			throw new SignupError(
 				`Could not create account — ${e instanceof Error ? e.message : 'please try again'}`
diff --git a/pnpm-lock.yaml b/pnpm-lock.yaml
index 90d3ddb..170aab1 100644
--- a/pnpm-lock.yaml
+++ b/pnpm-lock.yaml
@@ -14,6 +14,9 @@ importers:
       '@hiseb/confetti':
         specifier: ^2.0.2
         version: 2.2.0
+      '@lucide/svelte':
+        specifier: ^1.34.0
+        version: 1.34.0(svelte@5.56.3)
       '@stripe/stripe-js':
         specifier: ^9.13.0
         version: 9.13.0
@@ -268,6 +271,11 @@ packages:
   '@kurkle/color@0.3.4':
     resolution: {integrity: sha512-M5UknZPHRu3DEDWoipU6sE8PdkZ6Z/S+v4dD+Ke8IaNlpdSQah50lz1KtcFBa2vsdOnwbbnxJwVM4wty6udA5w==}
 
+  '@lucide/svelte@1.34.0':
+    resolution: {integrity: sha512-sHFL8KVSaPXv0dsmdUTq4q/tj8clT2XYejnoSg0mHObpXWn/9SfET4f14v/7VOba1IsbPIW9+sWaq+Qq1wTdNA==}
+    peerDependencies:
+      svelte: ^5
+
   '@napi-rs/wasm-runtime@1.1.5':
     resolution: {integrity: sha512-AWPoBRJ9tsnVhor4sjO7rkni+7p+2IAEFj6cx06UgP10jkQHqay/36uRV/bFkgrh18D9vb4cr8Q0Pthskgzy+Q==}
     peerDependencies:
@@ -1264,6 +1272,10 @@ snapshots:
 
   '@kurkle/color@0.3.4': {}
 
+  '@lucide/svelte@1.34.0(svelte@5.56.3)':
+    dependencies:
+      svelte: 5.56.3
+
   '@napi-rs/wasm-runtime@1.1.5(@emnapi/core@1.10.0)(@emnapi/runtime@1.10.0)':
     dependencies:
       '@emnapi/core': 1.10.0
diff --git a/shared/pb/schema.ts b/shared/pb/schema.ts
index 665205c..5792be3 100644
--- a/shared/pb/schema.ts
+++ b/shared/pb/schema.ts
@@ -158,7 +158,7 @@ export const SCHEMA_PLAN: CollectionPlanEntry[] = [
     name: "bonus_templates",
     build: (ids) =>
       col("bonus_templates", [
-        rel("famId", ids.fams, true),
+        rel("famId", ids.fams, false),
         text("name", true),
         text("description"),
         select("target", ["individual", "competitive", "collaborative"], true),
@@ -170,7 +170,12 @@ export const SCHEMA_PLAN: CollectionPlanEntry[] = [
         number("criteriaValue"),
         select("period", ["schedule", "daily", "weekly", "monthly"]),
         bool("isPocketMoney"),
+        bool("global"),
+        text("icon"),
+        text("color"),
       ], {
+        listRule: "global = true || famId = @request.auth.famId",
+        viewRule: "global = true || famId = @request.auth.famId",
         createRule: RULE_PARENT_WRITE,
         updateRule: RULE_PARENT_SCOPED,
         deleteRule: RULE_PARENT_SCOPED,
@@ -189,13 +194,18 @@ export const SCHEMA_PLAN: CollectionPlanEntry[] = [
     name: "chore_templates",
     build: (ids) =>
       col("chore_templates", [
-        rel("famId", ids.fams, true),
+        rel("famId", ids.fams, false),
         text("name", true),
         text("description"),
         select("defaultFrequency", ["daily", "weekly"], true),
         select("defaultType", ["points", "money"], true),
         number("defaultValue", true),
+        bool("global"),
+        text("icon"),
+        text("color"),
       ], {
+        listRule: "global = true || famId = @request.auth.famId",
+        viewRule: "global = true || famId = @request.auth.famId",
         createRule: RULE_PARENT_WRITE,
         updateRule: RULE_PARENT_SCOPED,
         deleteRule: RULE_PARENT_SCOPED,
@@ -328,9 +338,13 @@ export const SCHEMA_PLAN: CollectionPlanEntry[] = [
         rel("memberId", ids.users, true),
         rel("templateId", ids.chore_templates, true),
         select("frequency", ["daily", "weekly"], true),
-        select("type", ["points", "money"], true),
+        select("type", ["points", "money", "emoji"], true),
         number("value", true),
         text("customName"),
+        text("description"),
+        text("icon"),
+        text("color"),
+        text("emoji"),
         jsonField("seasonIds"),
         bool("isTodo"),
         text("startDate"),
@@ -350,6 +364,7 @@ export const SCHEMA_PLAN: CollectionPlanEntry[] = [
         rel("assignedChoreId", ids.assigned_chores, true),
         date("date"),
         date("completedAt"),
+        text("rewardId"),
       ], {
         createRule: RULE_FAM_WRITE,
         updateRule: RULE_FAM_SCOPED,