diff --git a/src/main/java/com/sb/web/account/controller/RecurringController.java b/src/main/java/com/sb/web/account/controller/RecurringController.java
index 2a42458..1f6c28c 100644
--- a/src/main/java/com/sb/web/account/controller/RecurringController.java
+++ b/src/main/java/com/sb/web/account/controller/RecurringController.java
@@ -34,7 +34,9 @@ public class RecurringController {
     public ResponseEntity<RecurringResponse> create(
             @Valid @RequestBody RecurringRequest req,
             @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current) {
-        return ResponseEntity.status(HttpStatus.CREATED).body(recurringService.create(req, current.getId()));
+        boolean premium = "ADMIN".equals(current.getRole()) || "PREMIUM".equals(current.getPlan());
+        return ResponseEntity.status(HttpStatus.CREATED)
+                .body(recurringService.create(req, current.getId(), premium));
     }
 
     @PutMapping("/{id}")
diff --git a/src/main/java/com/sb/web/account/mapper/RecurringMapper.java b/src/main/java/com/sb/web/account/mapper/RecurringMapper.java
index 163e619..c812729 100644
--- a/src/main/java/com/sb/web/account/mapper/RecurringMapper.java
+++ b/src/main/java/com/sb/web/account/mapper/RecurringMapper.java
@@ -15,6 +15,9 @@ public interface RecurringMapper {
 
     List<Recurring> findByMember(@Param("memberId") Long memberId);
 
+    /** 회원의 정기 거래 개수 (무료 회원 등록 한도 판정용) */
+    int countByMember(@Param("memberId") Long memberId);
+
     /** 활성 규칙 (자동 생성용) */
     List<Recurring> findActiveByMember(@Param("memberId") Long memberId);
 
diff --git a/src/main/java/com/sb/web/account/service/BackupService.java b/src/main/java/com/sb/web/account/service/BackupService.java
index f32e929..f47d1b5 100644
--- a/src/main/java/com/sb/web/account/service/BackupService.java
+++ b/src/main/java/com/sb/web/account/service/BackupService.java
@@ -153,7 +153,8 @@ public class BackupService {
                 rr.setStartDate(r.getStartDate());
                 rr.setEndDate(r.getEndDate());
                 rr.setActive(r.getActive() == null || r.getActive());
-                recurringService.create(rr, memberId);
+                // 복원은 본인 데이터 복구이므로 무료 한도 미적용
+                recurringService.create(rr, memberId, true);
             }
         }
 
diff --git a/src/main/java/com/sb/web/account/service/RecurringService.java b/src/main/java/com/sb/web/account/service/RecurringService.java
index 1fa63e8..2f449c9 100644
--- a/src/main/java/com/sb/web/account/service/RecurringService.java
+++ b/src/main/java/com/sb/web/account/service/RecurringService.java
@@ -30,8 +30,15 @@ public class RecurringService {
         return recurringMapper.findByMember(memberId).stream().map(this::toResponse).toList();
     }
 
+    // 무료 회원 고정지출 등록 한도(써보고 → 결제 유도). 유료·관리자는 무제한.
+    public static final int FREE_RECURRING_LIMIT = 2;
+
     @Transactional
-    public RecurringResponse create(RecurringRequest req, Long memberId) {
+    public RecurringResponse create(RecurringRequest req, Long memberId, boolean premium) {
+        if (!premium && recurringMapper.countByMember(memberId) >= FREE_RECURRING_LIMIT) {
+            throw new ApiException(HttpStatus.BAD_REQUEST,
+                    "무료 회원은 고정 지출을 " + FREE_RECURRING_LIMIT + "개까지 등록할 수 있어요. 유료로 업그레이드하면 무제한이에요.");
+        }
         Recurring r = toEntity(req);
         r.setMemberId(memberId);
         recurringMapper.insert(r);
diff --git a/src/main/java/com/sb/web/common/config/WebConfig.java b/src/main/java/com/sb/web/common/config/WebConfig.java
index a2754ff..1da8afe 100644
--- a/src/main/java/com/sb/web/common/config/WebConfig.java
+++ b/src/main/java/com/sb/web/common/config/WebConfig.java
@@ -42,7 +42,6 @@ public class WebConfig implements WebMvcConfigurer {
                         "/api/account/ai-comment",
                         "/api/account/networth/trend",
                         "/api/account/budgets", "/api/account/budgets/**",
-                        "/api/account/recurrings", "/api/account/recurrings/**",
                         "/api/account/ocr", "/api/account/ocr/**",
                         "/api/account/invest", "/api/account/invest/**",
                         "/api/account/tags", "/api/account/tags/**",
diff --git a/src/main/resources/mapper/RecurringMapper.xml b/src/main/resources/mapper/RecurringMapper.xml
index 08b5c7f..357c60d 100644
--- a/src/main/resources/mapper/RecurringMapper.xml
+++ b/src/main/resources/mapper/RecurringMapper.xml
@@ -78,4 +78,8 @@
         UPDATE recurring SET last_run_date = #{lastRunDate} WHERE id = #{id}
     </update>
 
+    <select id="countByMember" parameterType="long" resultType="int">
+        SELECT COUNT(*) FROM recurring WHERE member_id = #{memberId}
+    </select>
+
 </mapper>