diff --git a/frontend/src/pages/FloatManagement.tsx b/frontend/src/pages/FloatManagement.tsx
index 3135ff0..ed49cd0 100644
--- a/frontend/src/pages/FloatManagement.tsx
+++ b/frontend/src/pages/FloatManagement.tsx
@@ -76,12 +76,13 @@ function FloatRecordPrint({ record, changeTinTargets, onClose, closeLabel = 'New
 
   // Build exchange table for change tin: surplus → "to bank", shortfall → "in exchange"
   const exchangeRows = isTin ? CHANGE_TIN_DENOMS.map(d => {
-    const tgt = parseFloat(String(changeTinTargets[d.value.toFixed(2)] ?? 0))
-    if (tgt <= 0) return null
     const denom = record.denominations.find(x => Math.abs(parseFloat(x.denomination_value) - d.value) < 0.001)
+    // Use per-denom target from the saved record (backend populates this); fall back to current settings
+    const tgt = parseFloat(String(denom?.target ?? changeTinTargets[d.value.toFixed(2)] ?? 0))
     const counted = parseFloat(denom?.total_amount ?? '0')
     const diff = counted - tgt
-    if (Math.abs(diff) < 0.005) return null
+    if (Math.abs(diff) < 0.005) return null          // at par — nothing to exchange
+    if (diff < 0 && tgt <= 0) return null            // shortfall but no target set — skip
     return {
       label: d.label,
       toBank: diff > 0 ? diff : 0,