diff --git a/src/app/dashboard/page.tsx b/src/app/dashboard/page.tsx
new file mode 100644
index 0000000..a103694
--- /dev/null
+++ b/src/app/dashboard/page.tsx
@@ -0,0 +1,188 @@
+"use client";
+
+import { useEffect, useState } from "react";
+import Link from "next/link";
+import { Navbar } from "@/components/Navbar";
+import { GroupCard } from "@/components/GroupCard";
+import { useWallet } from "@/app/providers";
+import { SavingsGroup, GroupStatus, formatAmount } from "@sorosave/sdk";
+
+// Placeholder data - will be replaced with contract queries filtered by connected wallet
+const PLACEHOLDER_GROUPS: SavingsGroup[] = [
+  {
+    id: 1,
+    name: "Lagos Savings Circle",
+    admin: "GABCDEFGHIJKLMNOPQRSTUVWXYZ234567ABCDEFG",
+    token: "CDLZFC3SYJYDZT7K67VZ75HPJVIEUVNIXF47ZG2FB2RMQQVU2HHGCYSC",
+    contributionAmount: 1000000000n,
+    cycleLength: 604800,
+    maxMembers: 5,
+    members: ["GABCD...", "GEFGH...", "GIJKL..."],
+    payoutOrder: [],
+    currentRound: 0,
+    totalRounds: 0,
+    status: GroupStatus.Forming,
+    createdAt: 1700000000,
+  },
+  {
+    id: 2,
+    name: "DeFi Builders Fund",
+    admin: "GABCDEFGHIJKLMNOPQRSTUVWXYZ234567ABCDEFG",
+    token: "CDLZFC3SYJYDZT7K67VZ75HPJVIEUVNIXF47ZG2FB2RMQQVU2HHGCYSC",
+    contributionAmount: 5000000000n,
+    cycleLength: 2592000,
+    maxMembers: 10,
+    members: ["GABCD...", "GEFGH...", "GIJKL...", "GMNOP...", "GQRST..."],
+    payoutOrder: ["GABCD...", "GEFGH...", "GIJKL...", "GMNOP...", "GQRST..."],
+    currentRound: 2,
+    totalRounds: 5,
+    status: GroupStatus.Active,
+    createdAt: 1699000000,
+  },
+];
+
+function needsContribution(group: SavingsGroup): boolean {
+  return group.status === GroupStatus.Active && group.currentRound < group.totalRounds;
+}
+
+function StatCard({ label, value, sub, color = "text-gray-900" }: {
+  label: string; value: string; sub?: string; color?: string;
+}) {
+  return (
+    <div className="bg-white rounded-xl shadow-sm border p-6">
+      <p className="text-sm text-gray-500 mb-1">{label}</p>
+      <p className={`text-3xl font-bold ${color}`}>{value}</p>
+      {sub && <p className="text-xs text-gray-400 mt-1">{sub}</p>}
+    </div>
+  );
+}
+
+export default function DashboardPage() {
+  const { address, isConnected } = useWallet();
+  const [groups, setGroups] = useState<SavingsGroup[]>([]);
+  const [isLoading, setIsLoading] = useState(true);
+
+  useEffect(() => {
+    // TODO: Replace with sorosaveClient.getGroupsByMember(address)
+    const timer = setTimeout(() => {
+      setGroups(PLACEHOLDER_GROUPS);
+      setIsLoading(false);
+    }, 500);
+    return () => clearTimeout(timer);
+  }, [address]);
+
+  const activeGroups = groups.filter((g) => g.status === GroupStatus.Active);
+  const actionGroups = groups.filter(needsContribution);
+
+  const totalContributed = groups.reduce((sum, g) => {
+    const rounds = BigInt(Math.min(g.currentRound, g.totalRounds));
+    return sum + g.contributionAmount * rounds;
+  }, 0n);
+
+  const totalReceived = groups.reduce((sum, g) => {
+    if (g.payoutOrder.length === 0 || g.currentRound === 0) return sum;
+    // User receives pot once when it's their turn; simplified as 1 payout per active/completed group
+    const pot = g.contributionAmount * BigInt(g.members.length);
+    return g.currentRound > 0 ? sum + pot : sum;
+  }, 0n);
+
+  if (!isConnected) {
+    return (
+      <>
+        <Navbar />
+        <main className="max-w-7xl mx-auto px-4 sm:px-6 lg:px-8 py-12">
+          <div className="text-center py-20">
+            <h2 className="text-2xl font-bold text-gray-900 mb-2">Connect Your Wallet</h2>
+            <p className="text-gray-500 max-w-md mx-auto">
+              Connect your Freighter wallet to view your savings groups, contributions, and upcoming payouts.
+            </p>
+          </div>
+        </main>
+      </>
+    );
+  }
+
+  return (
+    <>
+      <Navbar />
+      <main className="max-w-7xl mx-auto px-4 sm:px-6 lg:px-8 py-12">
+        <div className="flex justify-between items-center mb-8">
+          <div>
+            <h1 className="text-2xl font-bold text-gray-900">My Dashboard</h1>
+            <p className="text-sm text-gray-500 mt-1">
+              {address ? `${address.slice(0, 8)}...${address.slice(-6)}` : ""}
+            </p>
+          </div>
+          <Link
+            href="/groups"
+            className="bg-primary-600 text-white px-4 py-2 rounded-lg text-sm font-medium hover:bg-primary-700 transition-colors"
+          >
+            Browse Groups
+          </Link>
+        </div>
+
+        {/* Summary */}
+        <div className="grid grid-cols-1 sm:grid-cols-2 lg:grid-cols-4 gap-6 mb-10">
+          <StatCard label="My Groups" value={String(groups.length)}
+            sub={`${activeGroups.length} active`} />
+          <StatCard label="Total Contributed" value={formatAmount(totalContributed)}
+            sub="tokens" color="text-primary-700" />
+          <StatCard label="Total Received" value={formatAmount(totalReceived)}
+            sub="tokens" color="text-green-600" />
+          <StatCard label="Needs Contribution" value={String(actionGroups.length)}
+            sub={actionGroups.length > 0 ? "action required" : "all caught up"}
+            color="text-amber-600" />
+        </div>
+
+        {isLoading ? (
+          <div className="text-center py-12">
+            <div className="inline-block animate-spin rounded-full h-8 w-8 border-b-2 border-primary-600" />
+            <p className="text-gray-500 mt-4">Loading your groups...</p>
+          </div>
+        ) : groups.length === 0 ? (
+          <div className="text-center py-16 bg-white rounded-xl shadow-sm border">
+            <h3 className="text-lg font-medium text-gray-900 mb-2">No groups yet</h3>
+            <p className="text-gray-500 mb-6">Join or create a savings group to get started.</p>
+            <div className="flex justify-center space-x-4">
+              <Link href="/groups" className="bg-primary-600 text-white px-5 py-2 rounded-lg text-sm font-medium hover:bg-primary-700">
+                Browse Groups
+              </Link>
+              <Link href="/groups/new" className="border border-gray-300 text-gray-700 px-5 py-2 rounded-lg text-sm font-medium hover:bg-gray-50">
+                Create Group
+              </Link>
+            </div>
+          </div>
+        ) : (
+          <>
+            {/* Groups needing contribution */}
+            {actionGroups.length > 0 && (
+              <div className="mb-10">
+                <h2 className="text-lg font-semibold text-gray-900 mb-4 flex items-center">
+                  <span className="w-2 h-2 bg-amber-500 rounded-full mr-2" />
+                  Needs Your Contribution
+                </h2>
+                <div className="grid grid-cols-1 md:grid-cols-2 lg:grid-cols-3 gap-6">
+                  {actionGroups.map((g) => (
+                    <div key={g.id} className="ring-2 ring-amber-300 rounded-xl">
+                      <GroupCard group={g} />
+                    </div>
+                  ))}
+                </div>
+              </div>
+            )}
+
+            {/* All groups */}
+            <div>
+              <h2 className="text-lg font-semibold text-gray-900 mb-4">All My Groups</h2>
+              <div className="grid grid-cols-1 md:grid-cols-2 lg:grid-cols-3 gap-6">
+                {groups.map((g) => (
+                  <GroupCard key={g.id} group={g} />
+                ))}
+              </div>
+            </div>
+          </>
+        )}
+      </main>
+    </>
+  );
+}
diff --git a/src/components/Navbar.tsx b/src/components/Navbar.tsx
index 2d673aa..0ef1764 100644
--- a/src/components/Navbar.tsx
+++ b/src/components/Navbar.tsx
@@ -13,6 +13,12 @@ export function Navbar() {
               SoroSave
             </Link>
             <div className="hidden sm:flex space-x-4">
+              <Link
+                href="/dashboard"
+                className="text-gray-600 hover:text-gray-900 px-3 py-2 text-sm font-medium"
+              >
+                Dashboard
+              </Link>
               <Link
                 href="/groups"
                 className="text-gray-600 hover:text-gray-900 px-3 py-2 text-sm font-medium"