diff --git a/CHANGELOG.md b/CHANGELOG.md
index e29afe2..3b49656 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -5,6 +5,18 @@ O formato segue [Keep a Changelog](https://keepachangelog.com/pt-BR/).
 Este projeto adota [Versionamento Semântico](https://semver.org/pt-BR/).
 
 
+## [1.43.20] - 2025-12-16
+
+### Fixed
+- **Projeção de Saldo - Transações Pendentes Vencidas**
+  - FIX: Projeção agora inclui transações pendentes vencidas (status='pending' e planned_date < hoje)
+  - Adicionadas transações pendentes futuras (planned_date entre hoje e fim do mês)
+  - Separação clara entre transações vencidas (overdue) e pendentes (pending_this_month)
+  - Response JSON atualizado com breakdown completo:
+    * `overdue.income` e `overdue.expense` (transações vencidas)
+    * `pending_this_month.pending_income` e `pending_expense` (transações futuras)
+  - Projeção inteligente agora considera: realizado + recorrências + passivos + vencidos + pendentes
+
 ## [1.43.19] - 2025-12-16
 
 ### Changed
diff --git a/VERSION b/VERSION
index 3f05860..a07ddf0 100644
--- a/VERSION
+++ b/VERSION
@@ -1 +1 @@
-1.43.19
+1.43.20
diff --git a/backend/app/Http/Controllers/Api/ReportController.php b/backend/app/Http/Controllers/Api/ReportController.php
index ef8e067..cbfbfd0 100644
--- a/backend/app/Http/Controllers/Api/ReportController.php
+++ b/backend/app/Http/Controllers/Api/ReportController.php
@@ -916,8 +916,35 @@ public function projection(Request $request)
         // =========================================================================
         // 5. TRANSAÇÕES EM ATRASO (overdue)
         // =========================================================================
+        $overdueIncome = 0;
         $overdueExpense = 0;
         
+        // Transações pendentes vencidas (status='pending' e planned_date < hoje)
+        $overduePendingTransactions = DB::select("
+            SELECT 
+                t.amount,
+                t.type,
+                COALESCE(a.currency, 'EUR') as currency
+            FROM transactions t
+            LEFT JOIN accounts a ON t.account_id = a.id
+            WHERE t.user_id = ?
+            AND t.status = 'pending'
+            AND t.planned_date < ?
+            AND t.deleted_at IS NULL
+            AND {$this->excludeTransfers()}
+        ", [$this->userId, $today]);
+        
+        foreach ($overduePendingTransactions as $row) {
+            $amount = abs($row->amount);
+            $converted = $this->convertToPrimaryCurrency($amount, $row->currency);
+            
+            if ($row->type === 'credit') {
+                $overdueIncome += $converted;
+            } else {
+                $overdueExpense += $converted;
+            }
+        }
+        
         // Parcelas de passivos vencidas
         $overdueInstallments = DB::select("
             SELECT li.installment_amount as amount, la.currency
@@ -940,16 +967,48 @@ public function projection(Request $request)
         }
         
         // =========================================================================
-        // 6. CÁLCULOS FINAIS DA PROJEÇÃO
+        // 6. TRANSAÇÕES PENDENTES ATÉ O FIM DO MÊS (planned_date entre hoje e fim do mês)
+        // =========================================================================
+        $pendingIncome = 0;
+        $pendingExpense = 0;
+        
+        $pendingTransactions = DB::select("
+            SELECT 
+                t.amount,
+                t.type,
+                COALESCE(a.currency, 'EUR') as currency
+            FROM transactions t
+            LEFT JOIN accounts a ON t.account_id = a.id
+            WHERE t.user_id = ?
+            AND t.status = 'pending'
+            AND t.planned_date >= ?
+            AND t.planned_date <= ?
+            AND t.deleted_at IS NULL
+            AND {$this->excludeTransfers()}
+        ", [$this->userId, $today, $endOfMonth]);
+        
+        foreach ($pendingTransactions as $row) {
+            $amount = abs($row->amount);
+            $converted = $this->convertToPrimaryCurrency($amount, $row->currency);
+            
+            if ($row->type === 'credit') {
+                $pendingIncome += $converted;
+            } else {
+                $pendingExpense += $converted;
+            }
+        }
+        
+        // =========================================================================
+        // 7. CÁLCULOS FINAIS DA PROJEÇÃO
         // =========================================================================
         
         // Projeção simples (extrapolação linear)
         $simpleProjectedExpense = ($currExpense / $daysElapsed) * $daysInMonth;
         $simpleProjectedIncome = ($currIncome / $daysElapsed) * $daysInMonth;
         
-        // Projeção inteligente: realizado + pendente (recorrências + passivos)
-        $smartProjectedIncome = $currIncome + $recurringIncome;
-        $smartProjectedExpense = $currExpense + $recurringExpense + $liabilityExpense;
+        // Projeção inteligente: realizado + pendente (todos os tipos)
+        $smartProjectedIncome = $currIncome + $recurringIncome + $overdueIncome + $pendingIncome;
+        $smartProjectedExpense = $currExpense + $recurringExpense + $liabilityExpense + $overdueExpense + $pendingExpense;
         
         return response()->json([
             'historical_average' => [
@@ -968,10 +1027,15 @@ public function projection(Request $request)
                 'recurring_income' => round($recurringIncome, 2),
                 'recurring_expense' => round($recurringExpense, 2),
                 'liability_installments' => round($liabilityExpense, 2),
-                'total_pending_expense' => round($recurringExpense + $liabilityExpense, 2),
+                'pending_income' => round($pendingIncome, 2),
+                'pending_expense' => round($pendingExpense, 2),
+                'total_pending_income' => round($recurringIncome + $pendingIncome, 2),
+                'total_pending_expense' => round($recurringExpense + $liabilityExpense + $pendingExpense, 2),
             ],
             'overdue' => [
-                'total' => round($overdueExpense, 2),
+                'income' => round($overdueIncome, 2),
+                'expense' => round($overdueExpense, 2),
+                'total' => round($overdueExpense - $overdueIncome, 2),
             ],
             'projection' => [
                 // Valores principais (usa projeção inteligente)