diff --git a/resources/js/components/onboarding/step-category-types.tsx b/resources/js/components/onboarding/step-category-types.tsx
index aa781f45..31718078 100644
--- a/resources/js/components/onboarding/step-category-types.tsx
+++ b/resources/js/components/onboarding/step-category-types.tsx
@@ -11,7 +11,7 @@ const categoryTypes = [
         type: 'expense',
         name: 'Expense',
         icon: ArrowUpRight,
-        description: 'Money going out',
+        description: 'Money going out of an account to pay for something (e.g., groceries, rent, subscriptions). Decreases your balance.',
         examples: ['Food', 'Rent', 'Entertainment', 'Transport'],
         color: 'from-red-500 to-rose-500',
         bgColor: 'bg-red-50 dark:bg-red-900/20',
@@ -21,7 +21,7 @@ const categoryTypes = [
         type: 'income',
         name: 'Income',
         icon: ArrowDownLeft,
-        description: 'Money coming in',
+        description: 'Money coming into an account from a source (e.g., salary, refunds, interest). Increases your balance.',
         examples: ['Salary', 'Freelance', 'Investments', 'Refunds'],
         color: 'from-emerald-500 to-green-500',
         bgColor: 'bg-emerald-50 dark:bg-emerald-900/20',
@@ -31,7 +31,7 @@ const categoryTypes = [
         type: 'transfer',
         name: 'Transfer',
         icon: Repeat,
-        description: 'Moving money between accounts',
+        description: 'Moving money between accounts. It does not count in expenses or income charts.',
         examples: ['To savings', 'Credit card payment', 'Between banks'],
         color: 'from-blue-500 to-cyan-500',
         bgColor: 'bg-blue-50 dark:bg-blue-900/20',
@@ -46,48 +46,33 @@ export function StepCategoryTypes({ onContinue }: StepCategoryTypesProps) {
                 icon={Tag}
                 iconContainerClassName="bg-gradient-to-br from-violet-400 to-purple-500"
                 title="Understanding Categories"
-                description="Categories help you organize and understand your spending. Every transaction belongs to one of three types:"
+                description="Every transaction belongs to one of three types:"
             />
 
             <div className="mb-8 grid w-full max-w-3xl gap-4 md:grid-cols-3">
                 {categoryTypes.map((category) => (
                     <div
                         key={category.type}
-                        className="flex flex-col items-center rounded-xl border bg-card p-6 text-center"
+                        className="flex flex-col gap-2 items-start rounded-xl border bg-card p-6 text-center"
                     >
-                        <div
-                            className={`mb-4 flex h-14 w-14 items-center justify-center rounded-full bg-gradient-to-br ${category.color}`}
-                        >
-                            <category.icon className="h-7 w-7 text-white" />
+                        <div className='flex gap-2 flex-row items-center justify-center'>
+                            <div
+                                className={`flex size-5 items-center justify-center rounded-full bg-gradient-to-br ${category.color}`}
+                            >
+                                <category.icon className="size-4 text-white" />
+                            </div>
+                            <h3 className="font-semibold text-base">
+                                {category.name}
+                            </h3>
                         </div>
-                        <h3 className="mb-2 text-xl font-semibold">
-                            {category.name}
-                        </h3>
-                        <p className="mb-4 text-sm text-muted-foreground">
+
+                        <p className="w-full text-left text-muted-foreground/75">
                             {category.description}
                         </p>
-                        <div className="flex flex-wrap justify-center gap-1">
-                            {category.examples.map((example) => (
-                                <span
-                                    key={example}
-                                    className={`rounded-full px-2 py-0.5 text-xs ${category.bgColor} ${category.textColor}`}
-                                >
-                                    {example}
-                                </span>
-                            ))}
-                        </div>
                     </div>
                 ))}
             </div>
 
-            <div className="mb-8 max-w-xl rounded-lg border border-violet-200 bg-violet-50 p-4 dark:border-violet-900/50 dark:bg-violet-900/20">
-                <p className="text-center text-sm text-violet-800 dark:text-violet-200">
-                    <strong>Tip:</strong> We've already set up 50+ common
-                    categories for you. You can customize them in the next step
-                    or anytime from settings.
-                </p>
-            </div>
-
             <StepButton text="Continue" onClick={onContinue} />
         </div>
     );
diff --git a/resources/js/components/onboarding/step-smart-rules.tsx b/resources/js/components/onboarding/step-smart-rules.tsx
index 34537741..1f1ecd69 100644
--- a/resources/js/components/onboarding/step-smart-rules.tsx
+++ b/resources/js/components/onboarding/step-smart-rules.tsx
@@ -8,7 +8,7 @@ interface StepSmartRulesProps {
 
 export function StepSmartRules({ onContinue }: StepSmartRulesProps) {
     return (
-        <div className="flex animate-in flex-col items-center duration-500 fade-in slide-in-from-bottom-4">
+        <div className="flex animate-in flex-col items-center pb-4 duration-500 fade-in slide-in-from-bottom-4">
             <StepHeader
                 icon={Zap}
                 iconContainerClassName="bg-gradient-to-br from-yellow-400 to-amber-500"
@@ -16,12 +16,14 @@ export function StepSmartRules({ onContinue }: StepSmartRulesProps) {
                 description="Create rules to automatically categorize your transactions based on patterns you define."
             />
 
-            <div className="mb-6 grid w-full max-w-2xl gap-4 md:grid-cols-2">
+            <div className="mb-5 grid w-full max-w-2xl gap-4 md:grid-cols-2">
                 <div className="rounded-xl border bg-card p-5">
-                    <div className="mb-3 flex h-10 w-10 items-center justify-center rounded-lg bg-emerald-100 dark:bg-emerald-900/30">
-                        <Sparkles className="h-5 w-5 text-emerald-600 dark:text-emerald-400" />
+                    <div className="flex flex-row gap-2 items-center">
+                        <div className="mb-3 flex size-8 items-center justify-center rounded-lg bg-emerald-100 dark:bg-emerald-900/30">
+                            <Sparkles className="size-5 text-emerald-600 dark:text-emerald-400" />
+                        </div>
+                        <h3 className="mb-2 font-semibold">Pattern Matching</h3>
                     </div>
-                    <h3 className="mb-2 font-semibold">Pattern Matching</h3>
                     <p className="text-sm text-muted-foreground">
                         Create rules like "If description contains 'AMAZON',
                         categorize as Shopping"
@@ -29,10 +31,12 @@ export function StepSmartRules({ onContinue }: StepSmartRulesProps) {
                 </div>
 
                 <div className="rounded-xl border bg-card p-5">
-                    <div className="mb-3 flex h-10 w-10 items-center justify-center rounded-lg bg-blue-100 dark:bg-blue-900/30">
-                        <Zap className="h-5 w-5 text-blue-600 dark:text-blue-400" />
+                    <div className="flex flex-row gap-2 items-center">
+                        <div className="mb-3 flex size-8 items-center justify-center rounded-lg bg-blue-100 dark:bg-blue-900/30">
+                            <Zap className="size-5 text-blue-600 dark:text-blue-400" />
+                        </div>
+                        <h3 className="mb-2 font-semibold">Instant Application</h3>
                     </div>
-                    <h3 className="mb-2 font-semibold">Instant Application</h3>
                     <p className="text-sm text-muted-foreground">
                         Rules apply automatically when you import new
                         transactions
@@ -40,11 +44,8 @@ export function StepSmartRules({ onContinue }: StepSmartRulesProps) {
                 </div>
             </div>
 
-            <div className="mb-8 w-full max-w-2xl rounded-xl border-2 border-amber-200 bg-amber-50 p-6 dark:border-amber-900/50 dark:bg-amber-900/20">
+            <div className="mb-6 w-full max-w-2xl rounded-xl border-2 border-amber-200 bg-amber-50 p-6 dark:border-amber-900/50 dark:bg-amber-900/20">
                 <div className="mb-4 flex items-center gap-3">
-                    <div className="flex h-12 w-12 items-center justify-center rounded-full bg-amber-200 dark:bg-amber-800">
-                        <Shield className="h-6 w-6 text-amber-700 dark:text-amber-300" />
-                    </div>
                     <div>
                         <h3 className="font-semibold text-amber-900 dark:text-amber-100">
                             Why No AI Auto-Categorization?
diff --git a/resources/js/hooks/use-onboarding-state.ts b/resources/js/hooks/use-onboarding-state.ts
index 706c5c65..795f49a2 100644
--- a/resources/js/hooks/use-onboarding-state.ts
+++ b/resources/js/hooks/use-onboarding-state.ts
@@ -24,7 +24,6 @@ const PRIMARY_STEPS: OnboardingStep[] = [
     'account-types',
     'create-account',
     'category-types',
-    'customize-categories',
     'smart-rules',
     'more-accounts',
     'complete',
diff --git a/resources/js/pages/onboarding/index.tsx b/resources/js/pages/onboarding/index.tsx
index c236a08e..4b06b95f 100644
--- a/resources/js/pages/onboarding/index.tsx
+++ b/resources/js/pages/onboarding/index.tsx
@@ -105,7 +105,14 @@ export default function Onboarding({
     const handleImportComplete = async () => {
         // Sync after import to ensure data is consistent
         await sync();
-        goToStep('more-accounts');
+
+        // After first account import, go to category steps
+        // After subsequent accounts, go back to more-accounts
+        if (createdAccounts.length === 1) {
+            goToStep('category-types');
+        } else {
+            goToStep('more-accounts');
+        }
     };
 
     const handleAddMoreAccounts = () => {