diff --git a/app/Http/Middleware/HandleInertiaRequests.php b/app/Http/Middleware/HandleInertiaRequests.php
index f7edc8fe..a7991136 100644
--- a/app/Http/Middleware/HandleInertiaRequests.php
+++ b/app/Http/Middleware/HandleInertiaRequests.php
@@ -5,6 +5,7 @@ namespace App\Http\Middleware;
 use App\Enums\BankingConnectionStatus;
 use App\Enums\BankingProvider;
 use App\Features\CalculateBalancesOnImport;
+use App\Jobs\PurgeResidualEncryptionArtifactsJob;
 use App\Models\BankingConnection;
 use App\Services\CurrencyOptions;
 use Illuminate\Foundation\Inspiring;
@@ -56,12 +57,12 @@ class HandleInertiaRequests extends Middleware
             ->where(fn ($q) => $q->whereNotNull('description_iv')->orWhereNotNull('notes_iv'))
             ->exists() ?? false;
 
-        // Clean up encryption data if no encrypted accounts or transactions remain
-        if (! $request->is('api/*') && $user?->encryption_salt !== null) {
-            if (! $hasEncryptedAccounts && ! $hasEncryptedTransactions) {
-                $user->encryptedMessage()->delete();
-                $user->update(['encryption_salt' => null]);
-            }
+        // A shared-data provider must stay read-only, so hand the residual
+        // encryption cleanup off to a queued job instead of mutating the user
+        // inline during the render. The job re-checks the condition and is
+        // idempotent, so dispatching it on repeat requests is harmless.
+        if (! $request->is('api/*') && $user?->encryption_salt !== null && ! $hasEncryptedAccounts && ! $hasEncryptedTransactions) {
+            PurgeResidualEncryptionArtifactsJob::dispatch($user);
         }
 
         return [
diff --git a/app/Jobs/PurgeResidualEncryptionArtifactsJob.php b/app/Jobs/PurgeResidualEncryptionArtifactsJob.php
new file mode 100644
index 00000000..f121a739
--- /dev/null
+++ b/app/Jobs/PurgeResidualEncryptionArtifactsJob.php
@@ -0,0 +1,57 @@
+<?php
+
+namespace App\Jobs;
+
+use App\Models\User;
+use Illuminate\Contracts\Queue\ShouldQueue;
+use Illuminate\Database\Eloquent\Builder;
+use Illuminate\Foundation\Queue\Queueable;
+
+/**
+ * Once a user has decrypted (or removed) every client-side encrypted account and
+ * transaction, the leftover encryption salt and EncryptedMessage row serve no
+ * purpose. This job clears them so `hasEncryptionSetup` stops reporting true.
+ *
+ * It re-checks the condition on execution and is therefore idempotent: dispatching
+ * it more than once (or after the salt was already cleared elsewhere) is a no-op.
+ */
+class PurgeResidualEncryptionArtifactsJob implements ShouldQueue
+{
+    use Queueable;
+
+    public function __construct(public User $user) {}
+
+    public function handle(): void
+    {
+        $user = $this->user->fresh();
+
+        if ($user === null || $user->encryption_salt === null) {
+            return;
+        }
+
+        if ($this->hasResidualEncryptedData($user)) {
+            return;
+        }
+
+        $user->encryptedMessage()->delete();
+        $user->update(['encryption_salt' => null]);
+    }
+
+    private function hasResidualEncryptedData(User $user): bool
+    {
+        $hasEncryptedAccounts = $user->accounts()
+            ->where('encrypted', true)
+            ->exists();
+
+        if ($hasEncryptedAccounts) {
+            return true;
+        }
+
+        return $user->transactions()
+            ->where(function (Builder $query): void {
+                $query->whereNotNull('description_iv')
+                    ->orWhereNotNull('notes_iv');
+            })
+            ->exists();
+    }
+}
diff --git a/tests/Feature/InertiaSharedDataTest.php b/tests/Feature/InertiaSharedDataTest.php
index cb9d8a75..f86c4ec1 100644
--- a/tests/Feature/InertiaSharedDataTest.php
+++ b/tests/Feature/InertiaSharedDataTest.php
@@ -1,8 +1,10 @@
 <?php
 
 use App\Enums\BankingConnectionStatus;
+use App\Jobs\PurgeResidualEncryptionArtifactsJob;
 use App\Models\BankingConnection;
 use App\Models\User;
+use Illuminate\Support\Facades\Queue;
 use Inertia\Testing\AssertableInertia as Assert;
 
 use function Pest\Laravel\actingAs;
@@ -52,6 +54,35 @@ test('shared auth user does not expose sensitive fields', function () {
     );
 });
 
+test('a web GET does not mutate the user inline but queues the encryption cleanup', function () {
+    Queue::fake();
+
+    $user = User::factory()->onboarded()->create([
+        'encryption_salt' => str_repeat('a', 24),
+    ]);
+
+    actingAs($user)->withoutVite()->get(route('dashboard'))->assertSuccessful();
+
+    // Rendering the page must stay read-only: the salt is untouched inline.
+    expect($user->fresh()->encryption_salt)->toBe(str_repeat('a', 24));
+
+    // The eventual cleanup is handed off to the queued job instead.
+    Queue::assertPushed(
+        PurgeResidualEncryptionArtifactsJob::class,
+        fn (PurgeResidualEncryptionArtifactsJob $job) => $job->user->is($user),
+    );
+});
+
+test('a web GET does not queue encryption cleanup when the user has no salt', function () {
+    Queue::fake();
+
+    $user = User::factory()->onboarded()->create(['encryption_salt' => null]);
+
+    actingAs($user)->withoutVite()->get(route('dashboard'))->assertSuccessful();
+
+    Queue::assertNotPushed(PurgeResidualEncryptionArtifactsJob::class);
+});
+
 test('all pages receive app url in shared props', function () {
     $response = $this->withoutVite()->get(route('home'));
 
diff --git a/tests/Feature/PurgeResidualEncryptionArtifactsJobTest.php b/tests/Feature/PurgeResidualEncryptionArtifactsJobTest.php
new file mode 100644
index 00000000..79dea336
--- /dev/null
+++ b/tests/Feature/PurgeResidualEncryptionArtifactsJobTest.php
@@ -0,0 +1,65 @@
+<?php
+
+use App\Jobs\PurgeResidualEncryptionArtifactsJob;
+use App\Models\Account;
+use App\Models\EncryptedMessage;
+use App\Models\Transaction;
+use App\Models\User;
+
+function userWithEncryptionArtifacts(): User
+{
+    $user = User::factory()->onboarded()->create([
+        'encryption_salt' => str_repeat('a', 24),
+    ]);
+
+    EncryptedMessage::query()->create([
+        'user_id' => $user->id,
+        'encrypted_content' => 'encrypted_test_content',
+        'iv' => str_repeat('b', 16),
+    ]);
+
+    return $user;
+}
+
+test('it clears the salt and encrypted message when no encrypted data remains', function () {
+    $user = userWithEncryptionArtifacts();
+
+    PurgeResidualEncryptionArtifactsJob::dispatchSync($user);
+
+    expect($user->fresh()->encryption_salt)->toBeNull();
+    expect(EncryptedMessage::query()->where('user_id', $user->id)->exists())->toBeFalse();
+});
+
+test('it keeps the salt when an encrypted transaction still exists', function () {
+    $user = userWithEncryptionArtifacts();
+    Transaction::factory()->create([
+        'user_id' => $user->id,
+        'description_iv' => str_repeat('c', 16),
+    ]);
+
+    PurgeResidualEncryptionArtifactsJob::dispatchSync($user);
+
+    expect($user->fresh()->encryption_salt)->toBe(str_repeat('a', 24));
+    expect(EncryptedMessage::query()->where('user_id', $user->id)->exists())->toBeTrue();
+});
+
+test('it keeps the salt when an encrypted account still exists', function () {
+    $user = userWithEncryptionArtifacts();
+    Account::factory()->create([
+        'user_id' => $user->id,
+        'encrypted' => true,
+    ]);
+
+    PurgeResidualEncryptionArtifactsJob::dispatchSync($user);
+
+    expect($user->fresh()->encryption_salt)->toBe(str_repeat('a', 24));
+    expect(EncryptedMessage::query()->where('user_id', $user->id)->exists())->toBeTrue();
+});
+
+test('it is a no-op when the salt is already null', function () {
+    $user = User::factory()->onboarded()->create(['encryption_salt' => null]);
+
+    PurgeResidualEncryptionArtifactsJob::dispatchSync($user);
+
+    expect($user->fresh()->encryption_salt)->toBeNull();
+});