diff --git a/app/renderer/sections/Optimize.test.tsx b/app/renderer/sections/Optimize.test.tsx
index 663084a3..70013522 100644
--- a/app/renderer/sections/Optimize.test.tsx
+++ b/app/renderer/sections/Optimize.test.tsx
@@ -214,11 +214,14 @@ describe('Optimize', () => {
       id: 'mcp-low-coverage', title: 'Underused claude.ai connector',
       explanation: 'The connector loads unused tools.', severity: 'medium',
       trend: null, tokensSaved: 2_000, estimatedSavingsUSD: 1,
+      // Connector-only: no appliable plan, so the finding is a nudge.
+      class: 'nudge', basis: 'estimated',
       fix: {
         type: 'paste', destination: 'manual', label: 'Manage the connector where it loads:',
         text: 'Open /mcp and disable claude.ai Google Calendar.',
       },
     })
+    report.summary.byClass.nudge = { tokensSaved: 19_400, savingsUSD: 9.7, count: 2 }
     getOptimizeReport.mockResolvedValue(report)
     render(<Optimize period="30days" provider="all" />)
     const row = await screen.findByRole('button', { name: /Underused claude.ai connector/ })
diff --git a/src/optimize.ts b/src/optimize.ts
index ea740cb8..631ba38f 100644
--- a/src/optimize.ts
+++ b/src/optimize.ts
@@ -403,9 +403,17 @@ export function classTotals(findings: WasteFinding[], costRate: number): Record<
     keep: { tokensSaved: 0, savingsUSD: 0, count: 0 },
   }
   for (const f of findings) {
-    const t = totals[findingClass(f)]
-    t.tokensSaved += f.tokensSaved
-    t.savingsUSD += f.tokensSaved * costRate
+    const cls = findingClass(f)
+    // A `fix` whose plan owns only part of its estimate (a mixed local +
+    // claude.ai connector MCP finding) contributes only the apply-able
+    // subset, so this subtotal and the "apply-able" headline never promise
+    // what `--apply` cannot recover. The finding keeps the whole
+    // opportunity in its own `tokensSaved`, so the fix subtotal can be
+    // smaller than the findings listed under it.
+    const tokens = cls === 'fix' ? f.applyTokensSaved ?? f.tokensSaved : f.tokensSaved
+    const t = totals[cls]
+    t.tokensSaved += tokens
+    t.savingsUSD += tokens * costRate
     t.count++
   }
   return totals
diff --git a/tests/mcp-coverage.test.ts b/tests/mcp-coverage.test.ts
index 77301bc5..0dc7f36c 100644
--- a/tests/mcp-coverage.test.ts
+++ b/tests/mcp-coverage.test.ts
@@ -3,6 +3,8 @@ import { describe, it, expect, vi } from 'vitest'
 import {
   aggregateMcpCoverage,
   buildOptimizeJsonReport,
+  classTotals,
+  findingClass,
   detectMcpProfileAdvisor,
   detectMcpToolCoverage,
   estimateMcpSchemaCost,
@@ -925,3 +927,58 @@ describe('detectMcpProfileAdvisor', () => {
     expect(detectMcpProfileAdvisor(projects, coverage)).toBeNull()
   })
 })
+
+// ---------------------------------------------------------------------------
+// Connector findings under the fix/nudge/keep classification (#1019)
+// ---------------------------------------------------------------------------
+
+describe('connector findings and finding class', () => {
+  const inventoryFor = (servers: string[]) => servers.flatMap(server =>
+    Array.from({ length: 20 }, (_, i) => `mcp__${server}__t${i}`),
+  )
+  const twoSessions = (servers: string[]) => ['a', 'b'].map(sessionId => makeSession({
+    sessionId,
+    inventory: inventoryFor(servers),
+    turns: [makeTurn([makeCall({ cacheCreation: 50_000 })])],
+  }))
+
+  it('classifies a connector-only finding as a nudge, since nothing is appliable', () => {
+    const finding = detectMcpToolCoverage([project(twoSessions(['claude_ai_Gmail']))])
+
+    expect(finding).not.toBeNull()
+    expect(finding!.apply).toBeUndefined()
+    expect(findingClass(finding!)).toBe('nudge')
+    expect(finding!.tokensSaved).toBeGreaterThan(0)
+    // Never lands in the "apply-able" subtotal.
+    expect(classTotals([finding!], 0.00002).fix).toEqual({ tokensSaved: 0, savingsUSD: 0, count: 0 })
+  })
+
+  it('counts only the local subset of a mixed finding towards the apply-able subtotal', () => {
+    const finding = detectMcpToolCoverage([project(twoSessions(['filesystem', 'claude_ai_Slack']))])
+
+    expect(finding).not.toBeNull()
+    expect(findingClass(finding!)).toBe('fix')
+    expect(finding).toMatchObject({ tokensSaved: 40_000, applyTokensSaved: 20_000 })
+    expect(classTotals([finding!], 0.00002).fix).toEqual({ tokensSaved: 20_000, savingsUSD: 0.4, count: 1 })
+  })
+
+  it("leaves a local-only finding's subtotal at its full estimate", () => {
+    const finding = detectMcpToolCoverage([project(twoSessions(['filesystem']))])
+
+    expect(finding).not.toBeNull()
+    expect(finding!.applyTokensSaved).toBeUndefined()
+    expect(classTotals([finding!], 0.00002).fix.tokensSaved).toBe(finding!.tokensSaved)
+  })
+
+  it('treats a local server named like a connector namespace as manual only', () => {
+    // Known limitation: the namespace prefix is the only connector signal in
+    // the transcript, so a local server literally named claude_ai_* gets the
+    // manual /mcp guidance rather than a remove command. Conservative by
+    // design: CodeBurn never emits a command that could hit a connector.
+    const finding = detectMcpToolCoverage([project(twoSessions(['claude_ai_homegrown']))])
+
+    expect(finding!.fix.type).toBe('paste')
+    expect(finding!.apply).toBeUndefined()
+    expect(findingClass(finding!)).toBe('nudge')
+  })
+})