gyak · Sep 9, 2026 · Sep 9, 2026
diff --git a/backend/src/main/java/com/dday/domain/assetforecast/dto/response/AssetForecastResponse.java b/backend/src/main/java/com/dday/domain/assetforecast/dto/response/AssetForecastResponse.java
@@ -5,6 +5,7 @@
 
 import java.math.BigDecimal;
 import java.time.LocalDate;
+import java.util.List;
 
 @Getter
 @Builder
@@ -61,4 +62,37 @@ public class AssetForecastResponse {
      * 현재 계산에서는 수익률을 반영하지 않는다.
      */
     private boolean investmentReturnIncluded;
+
+    private Long currentTotalAsset;
+    private Long currentCashAsset;
+    private Long currentSavingInvestmentAsset;
+    private Long currentHousingDeposit;
+    private Long forecastTotalAsset;
+    private Long forecastNetAsset;
+    private Long forecastShortageAmount;
+    private Long forecastCashAsset;
+    private Long forecastSavingInvestmentAsset;
+    private Long forecastHousingDeposit;
+    private Long monthlyConvertedNetIncome;
+    private Long averageMonthlySavingInvestment;
+    private Long totalAssetChange;
+    private Long savingInvestmentChange;
+    private Long cashDepletionMonth;
+    private Long liquidAssetDepletionMonth;
+    private Long housingDepositDepletionMonth;
+    private BigDecimal cashRatio;
+    private BigDecimal savingInvestmentRatio;
+    private BigDecimal housingDepositRatio;
+    private CalculationBasis calculationBasis;
+    private boolean dataSufficient;
+
+    @Getter
+    @Builder
+    public static class CalculationBasis {
+        private List<Long> monthlyIncome;
+        private List<Long> monthlyExpense;
+        private Long currentFixedIncome;
+        private List<Long> monthlySavingInvestment;
+        private Integer validIncomeMonthCount;
+    }
 }
diff --git a/...rc/main/java/com/dday/domain/assetforecast/repository/AssetForecastAccountRepository.java b/...rc/main/java/com/dday/domain/assetforecast/repository/AssetForecastAccountRepository.java
@@ -31,4 +31,14 @@ Long sumCurrentFutureAsset(
             @Param("userId") Long userId,
             @Param("accountTypes") Collection<AccountType> accountTypes
     );
-}
+
+    @Query("""
+            select coalesce(sum(account.balance), 0)
+            from UserAccount account
+            where account.user.userId = :userId
+              and account.active = true
+              and account.accountType = :accountType
+            """)
+    Long sumActiveBalanceByType(@Param("userId") Long userId,
+                                @Param("accountType") AccountType accountType);
+}
diff --git a/backend/src/main/java/com/dday/domain/assetforecast/service/AssetForecastService.java b/backend/src/main/java/com/dday/domain/assetforecast/service/AssetForecastService.java
@@ -4,6 +4,8 @@
 import com.dday.domain.assetforecast.repository.AssetForecastAccountRepository;
 import com.dday.domain.assetforecast.repository.AssetForecastPocketBudgetRepository;
 import com.dday.domain.budget.entity.MonthlyPocketBudget;
+import com.dday.domain.housing.repository.HousingCostRepository;
+import com.dday.domain.income.repository.RecurringIncomeRepository;
 import com.dday.domain.mydata.entity.AccountType;
 import com.dday.domain.mydata.repository.FinancialTransactionRepository;
 import com.dday.domain.onboarding.service.OnboardingCalculator;
@@ -21,6 +23,7 @@
 import java.math.RoundingMode;
 import java.time.LocalDate;
 import java.time.LocalDateTime;
+import java.util.ArrayList;
 import java.util.List;
 
 @Service
@@ -40,6 +43,9 @@ public class AssetForecastService {
     private final FinancialTransactionRepository
             financialTransactionRepository;
 
+    private final HousingCostRepository housingCostRepository;
+    private final RecurringIncomeRepository recurringIncomeRepository;
+
     /**
      * 지원 종료 시 예상 총자산 조회.
      *
@@ -163,20 +169,93 @@ public AssetForecastResponse getForecast(
                         .multiply(BigDecimal.valueOf(100))
                         .divide(BigDecimal.valueOf(monthlyFutureAmount), 1, RoundingMode.HALF_UP);
 
-        /*
-         * 지원 종료까지 추가될
-         * 예상 자산.
-         */
-        long expectedAdditionalAsset =
-                monthlyFutureAmount
-                        * remainingMonths;
+        long currentCash = assetForecastAccountRepository
+                .sumActiveBalanceByType(userId, AccountType.DEPOSIT);
+        long housingDeposit = housingCostRepository.findById(userId)
+                .map(cost -> cost.getDeposit() == null ? 0L : cost.getDeposit())
+                .orElse(0L);
+        long currentFixedIncome = recurringIncomeRepository.sumExpectedAmountByUserId(userId);
 
-        /*
-         * 지원 종료 시 예상 총자산.
-         */
-        long expectedAsset =
-                currentAsset
-                        + expectedAdditionalAsset;
+        List<Long> monthlyIncome = new ArrayList<>();
+        List<Long> monthlyExpense = new ArrayList<>();
+        List<Long> monthlyContribution = new ArrayList<>();
+        BigDecimal convertedNetSum = BigDecimal.ZERO;
+        int validIncomeMonths = 0;
+
+        LocalDate historyStart = budgetMonth.minusMonths(3);
+        for (int index = 0; index < 3; index++) {
+            LocalDate month = historyStart.plusMonths(index);
+            LocalDateTime from = month.atStartOfDay();
+            LocalDateTime to = month.plusMonths(1).atStartOfDay();
+            long income = financialTransactionRepository.sumIncomeByPeriod(userId, from, to);
+            long expense = financialTransactionRepository.sumExpenseByPeriod(userId, from, to);
+            long contribution = financialTransactionRepository
+                    .sumMonthlyFutureAssetContribution(userId, from, to);
+            monthlyIncome.add(income);
+            monthlyExpense.add(expense);
+            monthlyContribution.add(contribution);
+            if (income > 0L) {
+                BigDecimal adjustedExpense = BigDecimal.valueOf(expense)
+                        .multiply(BigDecimal.valueOf(currentFixedIncome))
+                        .divide(BigDecimal.valueOf(income), 8, RoundingMode.HALF_UP);
+                convertedNetSum = convertedNetSum.add(
+                        BigDecimal.valueOf(currentFixedIncome).subtract(adjustedExpense));
+                validIncomeMonths++;
+            }
+        }
+
+        long convertedMonthlyNet = validIncomeMonths == 0 ? 0L : convertedNetSum
+                .divide(BigDecimal.valueOf(validIncomeMonths), 0, RoundingMode.HALF_UP)
+                .longValue();
+        long averageMonthlyContribution = BigDecimal.valueOf(
+                        monthlyContribution.stream().mapToLong(Long::longValue).sum())
+                .divide(BigDecimal.valueOf(3), 0, RoundingMode.HALF_UP)
+                .longValue();
+
+        long forecastCash = currentCash;
+        long forecastSavingInvestment = currentAsset;
+        long forecastHousingDeposit = housingDeposit;
+        Long cashDepletionMonth = null;
+        Long liquidAssetDepletionMonth = null;
+        Long housingDepositDepletionMonth = null;
+        long forecastShortageAmount = 0L;
+        for (long month = 1; month <= remainingMonths; month++) {
+            forecastSavingInvestment += averageMonthlyContribution;
+            forecastCash += convertedMonthlyNet;
+            if (forecastCash <= 0L) {
+                long shortfall = Math.abs(Math.min(forecastCash, 0L));
+                forecastCash = 0L;
+                if (cashDepletionMonth == null && convertedMonthlyNet < 0L) {
+                    cashDepletionMonth = month;
+                }
+                long savingDeduction = Math.min(forecastSavingInvestment, shortfall);
+                forecastSavingInvestment -= savingDeduction;
+                shortfall -= savingDeduction;
+                if (forecastSavingInvestment == 0L && liquidAssetDepletionMonth == null
+                        && convertedMonthlyNet < 0L) {
+                    liquidAssetDepletionMonth = month;
+                }
+                if (shortfall > 0L) {
+                    long housingDeduction = Math.min(forecastHousingDeposit, shortfall);
+                    forecastHousingDeposit -= housingDeduction;
+                    shortfall -= housingDeduction;
+                    if (forecastHousingDeposit == 0L && housingDepositDepletionMonth == null) {
+                        housingDepositDepletionMonth = month;
+                    }
+                    forecastShortageAmount += shortfall;
+                }
+            }
+        }
+
+        long currentTotalAsset = currentCash + currentAsset + housingDeposit;
+        long forecastTotalAsset = forecastCash + forecastSavingInvestment + forecastHousingDeposit;
+        long forecastNetAsset = forecastTotalAsset - forecastShortageAmount;
+        long expectedAdditionalAsset = forecastSavingInvestment - currentAsset;
+        long expectedAsset = forecastNetAsset;
+        BigDecimal totalForRatio = BigDecimal.valueOf(forecastTotalAsset);
+        BigDecimal cashRatio = ratio(forecastCash, totalForRatio);
+        BigDecimal savingRatio = ratio(forecastSavingInvestment, totalForRatio);
+        BigDecimal housingRatio = ratio(forecastHousingDeposit, totalForRatio);
 
         return AssetForecastResponse
                 .builder()
@@ -210,6 +289,42 @@ public AssetForecastResponse getForecast(
                 .investmentReturnIncluded(
                         false
                 )
+                .currentTotalAsset(currentTotalAsset)
+                .currentCashAsset(currentCash)
+                .currentSavingInvestmentAsset(currentAsset)
+                .currentHousingDeposit(housingDeposit)
+                .forecastTotalAsset(forecastTotalAsset)
+                .forecastNetAsset(forecastNetAsset)
+                .forecastShortageAmount(forecastShortageAmount)
+                .forecastCashAsset(forecastCash)
+                .forecastSavingInvestmentAsset(forecastSavingInvestment)
+                .forecastHousingDeposit(forecastHousingDeposit)
+                .monthlyConvertedNetIncome(convertedMonthlyNet)
+                .averageMonthlySavingInvestment(averageMonthlyContribution)
+                .totalAssetChange(forecastNetAsset - currentTotalAsset)
+                .savingInvestmentChange(forecastSavingInvestment - currentAsset)
+                .cashDepletionMonth(cashDepletionMonth)
+                .liquidAssetDepletionMonth(liquidAssetDepletionMonth)
+                .housingDepositDepletionMonth(housingDepositDepletionMonth)
+                .cashRatio(cashRatio)
+                .savingInvestmentRatio(savingRatio)
+                .housingDepositRatio(housingRatio)
+                .calculationBasis(AssetForecastResponse.CalculationBasis.builder()
+                        .monthlyIncome(monthlyIncome)
+                        .monthlyExpense(monthlyExpense)
+                        .currentFixedIncome(currentFixedIncome)
+                        .monthlySavingInvestment(monthlyContribution)
+                        .validIncomeMonthCount(validIncomeMonths)
+                        .build())
+                .dataSufficient(currentFixedIncome > 0L && validIncomeMonths > 0)
                 .build();
     }
+
+    private BigDecimal ratio(long amount, BigDecimal total) {
+        if (total.signum() <= 0) {
+            return BigDecimal.ZERO;
+        }
+        return BigDecimal.valueOf(amount).multiply(BigDecimal.valueOf(100))
+                .divide(total, 1, RoundingMode.HALF_UP);
+    }
 }
diff --git a/backend/src/main/java/com/dday/domain/income/repository/RecurringIncomeRepository.java b/backend/src/main/java/com/dday/domain/income/repository/RecurringIncomeRepository.java
@@ -2,6 +2,8 @@
 
 import com.dday.domain.income.entity.RecurringIncome;
 import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
 
 import java.util.List;
 import java.util.Optional;
@@ -16,4 +18,7 @@ public interface RecurringIncomeRepository extends JpaRepository<RecurringIncome
      * 남의 수입을 건드리는 요청이 조회 단계에서 빈 값이 되어 애초에 진행되지 않는다.
      */
     Optional<RecurringIncome> findByRecurringIncomeIdAndUserUserId(Long recurringIncomeId, Long userId);
+
+    @Query("select coalesce(sum(income.expectedAmount), 0) from RecurringIncome income where income.user.userId = :userId")
+    Long sumExpectedAmountByUserId(@Param("userId") Long userId);
 }
diff --git a/backend/src/main/java/com/dday/domain/mydata/repository/FinancialTransactionRepository.java b/backend/src/main/java/com/dday/domain/mydata/repository/FinancialTransactionRepository.java
@@ -269,6 +269,34 @@ Long sumMonthlyFutureAssetContribution(@Param("userId") Long userId,
                                             @Param("from") LocalDateTime from,
                                             @Param("to") LocalDateTime to);
 
+    @Query("""
+            select coalesce(sum(t.amount), 0)
+            from FinancialTransaction t
+            left join t.account a
+            left join t.card c
+            where (a.user.userId = :userId or c.user.userId = :userId)
+              and t.transactionAt >= :from and t.transactionAt < :to
+              and t.transactionType = com.dday.domain.mydata.entity.TransactionType.INCOME
+              and t.transactionStatus = com.dday.domain.mydata.entity.TransactionStatus.NORMAL
+            """)
+    Long sumIncomeByPeriod(@Param("userId") Long userId,
+                           @Param("from") LocalDateTime from,
+                           @Param("to") LocalDateTime to);
+
+    @Query("""
+            select coalesce(sum(t.amount), 0)
+            from FinancialTransaction t
+            left join t.account a
+            left join t.card c
+            where (a.user.userId = :userId or c.user.userId = :userId)
+              and t.transactionAt >= :from and t.transactionAt < :to
+              and t.transactionType = com.dday.domain.mydata.entity.TransactionType.EXPENSE
+              and t.transactionStatus = com.dday.domain.mydata.entity.TransactionStatus.NORMAL
+            """)
+    Long sumExpenseByPeriod(@Param("userId") Long userId,
+                            @Param("from") LocalDateTime from,
+                            @Param("to") LocalDateTime to);
+
     /** 적금·투자 계좌별 이번 달 납입액. 결과 행은 {@code [계좌 ID, 합계]}다. */
     @Query("""
             select targetAccount.accountId, coalesce(sum(t.amount), 0)

diff --git a/backend/src/main/resources/data.sql b/backend/src/main/resources/data.sql
@@ -286,7 +286,7 @@ ON DUPLICATE KEY UPDATE
     credit_limit = VALUES(credit_limit),
     is_active = VALUES(is_active);
 
--- 계좌 거래내역 — 2026년 8월 한 달 + 9월 진행분.
+-- 계좌 거래내역 — 2026년 6~8월 완료분 + 9월 진행분.
 --
 -- 수입(급여 120만 + 자립수당 50만 = 170만)과 지출(월세 45만 + 관리비 7만 + 적금 20만)이
 -- 위 recurring_income · housing_cost 값과 맞물린다. 한쪽만 고치면 화면에서 합계가 어긋난다.
@@ -299,6 +299,17 @@ INSERT INTO mock_mydata_account_transaction (
     merchant_name, merchant_regno, trans_memo, transaction_status,
     created_at, updated_at
 ) VALUES
+    -- 6월 KB 주거래: 수입 1,200,000원, 계좌 지출 2,040,000원.
+    -- 같은 달 카드 지출 160,000원까지 합치면 총지출 2,200,000원으로 수입보다 1,000,000원 많다.
+    (9041, 9001, 'KB-TX-202606-01', '2026-06-20 09:12:00', 'INCOME',  1200000, '지에스리테일', NULL, NULL, NULL, '6월 급여',       'NORMAL', '2026-06-20 09:12:00', '2026-06-20 09:12:00'),
+    (9042, 9001, 'KB-TX-202606-02', '2026-06-21 10:00:00', 'EXPENSE',  700000, 'LH청년행복주택', NULL, 'LH청년행복주택', '1298200036', '6월 주거비', 'NORMAL', '2026-06-21 10:00:00', '2026-06-21 10:00:00'),
+    (9043, 9001, 'KB-TX-202606-03', '2026-06-27 18:30:00', 'EXPENSE', 1340000, '생활비 정산', NULL, NULL, NULL, '6월 생활비',       'NORMAL', '2026-06-27 18:30:00', '2026-06-27 18:30:00'),
+    -- 7월 KB 주거래: 수입 1,000,000원, 계좌 지출 750,000원.
+    -- 같은 달 카드 지출 150,000원까지 합치면 총지출 900,000원으로 수입보다 100,000원 적다.
+    (9044, 9001, 'KB-TX-202607-01', '2026-07-20 09:12:00', 'INCOME',  1000000, '지에스리테일', NULL, NULL, NULL, '7월 급여',       'NORMAL', '2026-07-20 09:12:00', '2026-07-20 09:12:00'),
+    (9045, 9001, 'KB-TX-202607-02', '2026-07-22 10:00:00', 'EXPENSE',  750000, 'LH청년행복주택', NULL, 'LH청년행복주택', '1298200036', '7월 주거비', 'NORMAL', '2026-07-22 10:00:00', '2026-07-22 10:00:00'),
+    -- 기존 DB에도 같은 외부 거래 ID가 남아 있으므로 행을 제거하지 않고 OTHER로 갱신해 지출 집계에서 제외한다.
+    (9046, 9001, 'KB-TX-202607-03', '2026-07-28 18:30:00', 'OTHER',    200000, '계좌 정산', NULL, NULL, NULL, '정산 이체',          'NORMAL', '2026-07-28 18:30:00', '2026-07-28 18:30:00'),
     -- 8월 KB 주거래
     (9001, 9001, 'KB-TX-202608-01', '2026-08-20 09:12:00', 'INCOME',   500000, '강남구청',     NULL, NULL, NULL, '자립수당',       'NORMAL', '2026-08-20 09:12:00', '2026-08-20 09:12:00'),
     (9002, 9001, 'KB-TX-202608-02', '2026-08-25 10:03:00', 'INCOME',  1200000, '지에스리테일', NULL, NULL, NULL, '8월 급여',       'NORMAL', '2026-08-25 10:03:00', '2026-08-25 10:03:00'),

diff --git a/frontend/src/api/assetForecast.ts b/frontend/src/api/assetForecast.ts
@@ -13,6 +13,38 @@ export interface AssetForecastResponse {
   remainingAmount: number
   achievementRate: number
   remainingMonths: number
+  supportEndDate: string
+  expectedAdditionalAsset: number
+  expectedAsset: number
+  investmentReturnIncluded: boolean
+  currentTotalAsset: number
+  currentCashAsset: number
+  currentSavingInvestmentAsset: number
+  currentHousingDeposit: number
+  forecastTotalAsset: number
+  forecastNetAsset: number
+  forecastShortageAmount: number
+  forecastCashAsset: number
+  forecastSavingInvestmentAsset: number
+  forecastHousingDeposit: number
+  monthlyConvertedNetIncome: number
+  averageMonthlySavingInvestment: number
+  totalAssetChange: number
+  savingInvestmentChange: number
+  cashDepletionMonth: number | null
+  liquidAssetDepletionMonth: number | null
+  housingDepositDepletionMonth: number | null
+  cashRatio: number
+  savingInvestmentRatio: number
+  housingDepositRatio: number
+  calculationBasis: {
+    monthlyIncome: number[]
+    monthlyExpense: number[]
+    currentFixedIncome: number
+    monthlySavingInvestment: number[]
+    validIncomeMonthCount: number
+  }
+  dataSufficient: boolean
 }
 
 export const assetForecastApi = {

diff --git a/frontend/src/assets/icons/pocket-emergency.svg b/frontend/src/assets/icons/pocket-emergency.svg
diff --git a/frontend/src/components/pocket/EmergencyPocketCard.vue b/frontend/src/components/pocket/EmergencyPocketCard.vue
@@ -9,7 +9,7 @@ defineEmits<{ adjust: [] }>()
 <template>
   <article class="card">
     <header>
-      <AppIcon name="credit" :size="20" aria-hidden="true" />
+      <AppIcon name="pocket-emergency" :size="20" aria-hidden="true" />
       <h2>{{ title }}</h2>
     </header>
     <dl>

diff --git a/frontend/src/components/pocket/PocketStatusCard.vue b/frontend/src/components/pocket/PocketStatusCard.vue
@@ -13,7 +13,9 @@ const props = defineProps<{
   overAmount?: number | null
 }>()
 const emit = defineEmits<{ select: [pocketType: Extract<PocketType, 'ESSENTIAL' | 'FREE'>] }>()
-const iconName = computed(() => (props.pocketType === 'ESSENTIAL' ? 'pocket' : 'benefit'))
+const iconName = computed(() =>
+  props.pocketType === 'ESSENTIAL' ? 'category-housing' : 'benefit',
+)
 const rate = computed(() => props.usageRate ?? 0)
 const fillWidth = computed(() => `${Math.min(Math.max(rate.value, 0), 100)}%`)
 </script>

diff --git a/frontend/src/router/index.ts b/frontend/src/router/index.ts
@@ -477,6 +477,16 @@ const router = createRouter({
       },
     },
 
+    {
+      path: '/asset-forecast',
+      name: 'asset-forecast',
+      component: () => import('@/views/AssetForecastView.vue'),
+      meta: {
+        title: '지원 종료 시 예상 자산',
+        requiresAuth: true,
+      },
+    },
+
     /*
      * =========================
      * 포켓