diff --git a/internal/config/config.go b/internal/config/config.go
new file mode 100644
index 0000000..5913425
--- /dev/null
+++ b/internal/config/config.go
@@ -0,0 +1,132 @@
+package config
+
+import (
+	"fmt"
+	"os"
+	"path/filepath"
+
+	"github.com/BurntSushi/toml"
+)
+
+// Config holds all cburn configuration.
+type Config struct {
+	General  GeneralConfig  `toml:"general"`
+	AdminAPI AdminAPIConfig `toml:"admin_api"`
+	Budget   BudgetConfig   `toml:"budget"`
+	Appearance AppearanceConfig `toml:"appearance"`
+	Pricing  PricingOverrides `toml:"pricing"`
+}
+
+// GeneralConfig holds general preferences.
+type GeneralConfig struct {
+	DefaultDays      int    `toml:"default_days"`
+	IncludeSubagents bool   `toml:"include_subagents"`
+	ClaudeDir        string `toml:"claude_dir,omitempty"`
+}
+
+// AdminAPIConfig holds Anthropic Admin API settings.
+type AdminAPIConfig struct {
+	APIKey  string `toml:"api_key,omitempty"`
+	BaseURL string `toml:"base_url,omitempty"`
+}
+
+// BudgetConfig holds budget tracking settings.
+type BudgetConfig struct {
+	MonthlyUSD *float64 `toml:"monthly_usd,omitempty"`
+}
+
+// AppearanceConfig holds theme settings.
+type AppearanceConfig struct {
+	Theme string `toml:"theme"`
+}
+
+// PricingOverrides allows user-defined pricing for specific models.
+type PricingOverrides struct {
+	Overrides map[string]ModelPricingOverride `toml:"overrides,omitempty"`
+}
+
+// ModelPricingOverride holds per-model pricing overrides.
+type ModelPricingOverride struct {
+	InputPerMTok        *float64 `toml:"input_per_mtok,omitempty"`
+	OutputPerMTok       *float64 `toml:"output_per_mtok,omitempty"`
+	CacheWrite5mPerMTok *float64 `toml:"cache_write_5m_per_mtok,omitempty"`
+	CacheWrite1hPerMTok *float64 `toml:"cache_write_1h_per_mtok,omitempty"`
+	CacheReadPerMTok    *float64 `toml:"cache_read_per_mtok,omitempty"`
+}
+
+// DefaultConfig returns the default configuration.
+func DefaultConfig() Config {
+	return Config{
+		General: GeneralConfig{
+			DefaultDays:      30,
+			IncludeSubagents: true,
+		},
+		Appearance: AppearanceConfig{
+			Theme: "flexoki-dark",
+		},
+	}
+}
+
+// ConfigDir returns the XDG-compliant config directory.
+func ConfigDir() string {
+	if xdg := os.Getenv("XDG_CONFIG_HOME"); xdg != "" {
+		return filepath.Join(xdg, "cburn")
+	}
+	home, _ := os.UserHomeDir()
+	return filepath.Join(home, ".config", "cburn")
+}
+
+// ConfigPath returns the full path to the config file.
+func ConfigPath() string {
+	return filepath.Join(ConfigDir(), "config.toml")
+}
+
+// Load reads the config file, returning defaults if it doesn't exist.
+func Load() (Config, error) {
+	cfg := DefaultConfig()
+
+	data, err := os.ReadFile(ConfigPath())
+	if err != nil {
+		if os.IsNotExist(err) {
+			return cfg, nil
+		}
+		return cfg, fmt.Errorf("reading config: %w", err)
+	}
+
+	if err := toml.Unmarshal(data, &cfg); err != nil {
+		return cfg, fmt.Errorf("parsing config: %w", err)
+	}
+
+	return cfg, nil
+}
+
+// Save writes the config to disk.
+func Save(cfg Config) error {
+	dir := ConfigDir()
+	if err := os.MkdirAll(dir, 0o755); err != nil {
+		return fmt.Errorf("creating config dir: %w", err)
+	}
+
+	f, err := os.Create(ConfigPath())
+	if err != nil {
+		return fmt.Errorf("creating config file: %w", err)
+	}
+	defer f.Close()
+
+	enc := toml.NewEncoder(f)
+	return enc.Encode(cfg)
+}
+
+// GetAdminAPIKey returns the API key from env var or config, in that order.
+func GetAdminAPIKey(cfg Config) string {
+	if key := os.Getenv("ANTHROPIC_ADMIN_KEY"); key != "" {
+		return key
+	}
+	return cfg.AdminAPI.APIKey
+}
+
+// Exists returns true if a config file exists on disk.
+func Exists() bool {
+	_, err := os.Stat(ConfigPath())
+	return err == nil
+}
diff --git a/internal/config/plan.go b/internal/config/plan.go
new file mode 100644
index 0000000..25a3cad
--- /dev/null
+++ b/internal/config/plan.go
@@ -0,0 +1,40 @@
+package config
+
+import (
+	"encoding/json"
+	"os"
+	"path/filepath"
+)
+
+// PlanInfo holds detected Claude subscription plan info.
+type PlanInfo struct {
+	BillingType string
+	PlanCeiling float64
+}
+
+// DetectPlan reads ~/.claude/.claude.json to determine the billing plan.
+func DetectPlan(claudeDir string) PlanInfo {
+	path := filepath.Join(claudeDir, ".claude.json")
+	data, err := os.ReadFile(path)
+	if err != nil {
+		return PlanInfo{PlanCeiling: 200} // default to Max plan
+	}
+
+	var raw struct {
+		BillingType string `json:"billingType"`
+	}
+	if err := json.Unmarshal(data, &raw); err != nil {
+		return PlanInfo{PlanCeiling: 200}
+	}
+
+	info := PlanInfo{BillingType: raw.BillingType}
+
+	switch raw.BillingType {
+	case "stripe_subscription":
+		info.PlanCeiling = 200 // Max plan default
+	default:
+		info.PlanCeiling = 100 // Pro plan default
+	}
+
+	return info
+}
diff --git a/internal/config/pricing.go b/internal/config/pricing.go
new file mode 100644
index 0000000..798d981
--- /dev/null
+++ b/internal/config/pricing.go
@@ -0,0 +1,135 @@
+package config
+
+import "strings"
+
+// ModelPricing holds per-million-token prices for a model.
+type ModelPricing struct {
+	InputPerMTok        float64
+	OutputPerMTok       float64
+	CacheWrite5mPerMTok float64
+	CacheWrite1hPerMTok float64
+	CacheReadPerMTok    float64
+	// Long context overrides (>200K input tokens)
+	LongInputPerMTok  float64
+	LongOutputPerMTok float64
+}
+
+// DefaultPricing maps model base names to their pricing.
+var DefaultPricing = map[string]ModelPricing{
+	"claude-opus-4-6": {
+		InputPerMTok: 5.00, OutputPerMTok: 25.00,
+		CacheWrite5mPerMTok: 6.25, CacheWrite1hPerMTok: 10.00, CacheReadPerMTok: 0.50,
+		LongInputPerMTok: 10.00, LongOutputPerMTok: 37.50,
+	},
+	"claude-opus-4-5": {
+		InputPerMTok: 5.00, OutputPerMTok: 25.00,
+		CacheWrite5mPerMTok: 6.25, CacheWrite1hPerMTok: 10.00, CacheReadPerMTok: 0.50,
+		LongInputPerMTok: 10.00, LongOutputPerMTok: 37.50,
+	},
+	"claude-opus-4-1": {
+		InputPerMTok: 15.00, OutputPerMTok: 75.00,
+		CacheWrite5mPerMTok: 18.75, CacheWrite1hPerMTok: 30.00, CacheReadPerMTok: 1.50,
+		LongInputPerMTok: 30.00, LongOutputPerMTok: 112.50,
+	},
+	"claude-opus-4": {
+		InputPerMTok: 15.00, OutputPerMTok: 75.00,
+		CacheWrite5mPerMTok: 18.75, CacheWrite1hPerMTok: 30.00, CacheReadPerMTok: 1.50,
+		LongInputPerMTok: 30.00, LongOutputPerMTok: 112.50,
+	},
+	"claude-sonnet-4-6": {
+		InputPerMTok: 3.00, OutputPerMTok: 15.00,
+		CacheWrite5mPerMTok: 3.75, CacheWrite1hPerMTok: 6.00, CacheReadPerMTok: 0.30,
+		LongInputPerMTok: 6.00, LongOutputPerMTok: 22.50,
+	},
+	"claude-sonnet-4-5": {
+		InputPerMTok: 3.00, OutputPerMTok: 15.00,
+		CacheWrite5mPerMTok: 3.75, CacheWrite1hPerMTok: 6.00, CacheReadPerMTok: 0.30,
+		LongInputPerMTok: 6.00, LongOutputPerMTok: 22.50,
+	},
+	"claude-sonnet-4": {
+		InputPerMTok: 3.00, OutputPerMTok: 15.00,
+		CacheWrite5mPerMTok: 3.75, CacheWrite1hPerMTok: 6.00, CacheReadPerMTok: 0.30,
+		LongInputPerMTok: 6.00, LongOutputPerMTok: 22.50,
+	},
+	"claude-haiku-4-5": {
+		InputPerMTok: 1.00, OutputPerMTok: 5.00,
+		CacheWrite5mPerMTok: 1.25, CacheWrite1hPerMTok: 2.00, CacheReadPerMTok: 0.10,
+		LongInputPerMTok: 2.00, LongOutputPerMTok: 7.50,
+	},
+	"claude-haiku-3-5": {
+		InputPerMTok: 0.80, OutputPerMTok: 4.00,
+		CacheWrite5mPerMTok: 1.00, CacheWrite1hPerMTok: 1.60, CacheReadPerMTok: 0.08,
+		LongInputPerMTok: 1.60, LongOutputPerMTok: 6.00,
+	},
+}
+
+// NormalizeModelName strips date suffixes from model identifiers.
+// e.g., "claude-opus-4-5-20251101" -> "claude-opus-4-5"
+func NormalizeModelName(raw string) string {
+	// Models can have date suffixes like -20251101 (8 digits)
+	// Strategy: try progressively shorter prefixes against the pricing table
+	if _, ok := DefaultPricing[raw]; ok {
+		return raw
+	}
+
+	// Strip last segment if it looks like a date (all digits)
+	parts := strings.Split(raw, "-")
+	if len(parts) >= 2 {
+		last := parts[len(parts)-1]
+		if isAllDigits(last) && len(last) >= 8 {
+			candidate := strings.Join(parts[:len(parts)-1], "-")
+			if _, ok := DefaultPricing[candidate]; ok {
+				return candidate
+			}
+		}
+	}
+
+	return raw
+}
+
+func isAllDigits(s string) bool {
+	for _, c := range s {
+		if c < '0' || c > '9' {
+			return false
+		}
+	}
+	return len(s) > 0
+}
+
+// LookupPricing returns the pricing for a model, normalizing the name first.
+// Returns zero pricing and false if the model is unknown.
+func LookupPricing(model string) (ModelPricing, bool) {
+	normalized := NormalizeModelName(model)
+	p, ok := DefaultPricing[normalized]
+	return p, ok
+}
+
+// CalculateCost computes the estimated cost in USD for a single API call.
+func CalculateCost(model string, inputTokens, outputTokens, cache5m, cache1h, cacheRead int64) float64 {
+	pricing, ok := LookupPricing(model)
+	if !ok {
+		return 0
+	}
+
+	// Use standard context pricing (long context detection would need total
+	// input context size which we don't have per-call; standard is the default)
+	cost := float64(inputTokens) * pricing.InputPerMTok / 1_000_000
+	cost += float64(outputTokens) * pricing.OutputPerMTok / 1_000_000
+	cost += float64(cache5m) * pricing.CacheWrite5mPerMTok / 1_000_000
+	cost += float64(cache1h) * pricing.CacheWrite1hPerMTok / 1_000_000
+	cost += float64(cacheRead) * pricing.CacheReadPerMTok / 1_000_000
+
+	return cost
+}
+
+// CalculateCacheSavings computes how much the cache reads saved vs full input pricing.
+func CalculateCacheSavings(model string, cacheReadTokens int64) float64 {
+	pricing, ok := LookupPricing(model)
+	if !ok {
+		return 0
+	}
+	// Cache reads at cache rate vs what they would have cost at full input rate
+	fullCost := float64(cacheReadTokens) * pricing.InputPerMTok / 1_000_000
+	actualCost := float64(cacheReadTokens) * pricing.CacheReadPerMTok / 1_000_000
+	return fullCost - actualCost
+}