diff --git a/src/views/account/AccountView.vue b/src/views/account/AccountView.vue
index 901ed30..e65625c 100644
--- a/src/views/account/AccountView.vue
+++ b/src/views/account/AccountView.vue
@@ -103,7 +103,8 @@ async function fetchRate() {
   fxLoading.value = true
   try {
     const res = await accountApi.fxRate(form.currency, 'KRW')
-    if (res?.rate != null) form.rate = Number(res.rate)
+    // 환율은 소수점 4자리로 통일(입력폼 step·저장 정밀도 일치)
+    if (res?.rate != null) form.rate = Math.round(Number(res.rate) * 10000) / 10000
     else formInfo.value = '환율을 가져오지 못했어요. 직접 입력해 주세요.'
   } catch {
     formInfo.value = '환율 조회에 실패했어요. 직접 입력해 주세요.'
@@ -1150,10 +1151,13 @@ onMounted(async () => {
                 </div>
               </label>
               <div v-if="!isRepayment && isForeign" class="fx-row">
-                <label class="fx-rate">환율(1 {{ form.currency }})
-                  <input v-model.number="form.rate" type="number" min="0" step="0.0001" placeholder="원" :disabled="submitting" />
-                </label>
-                <button type="button" class="fx-auto" :disabled="submitting || fxLoading" @click="fetchRate">{{ fxLoading ? '…' : '↻ 자동' }}</button>
+                <div class="fx-rate-field">
+                  <span class="fx-label">환율(1 {{ form.currency }})</span>
+                  <div class="fx-rate-input">
+                    <input v-model.number="form.rate" type="number" min="0" step="0.0001" placeholder="원" :disabled="submitting" />
+                    <button type="button" class="fx-auto" :disabled="submitting || fxLoading" @click="fetchRate">{{ fxLoading ? '…' : '↻ 자동' }}</button>
+                  </div>
+                </div>
                 <span class="fx-krw">= ₩{{ (convertedKrw || 0).toLocaleString('ko-KR') }}</span>
               </div>
               <label>메모<input v-model="form.memo" type="text" placeholder="(선택)" :disabled="submitting" /></label>
@@ -1937,34 +1941,43 @@ button.primary {
 }
 .fx-row {
   display: flex;
-  align-items: center;
-  gap: 0.5rem;
+  align-items: flex-end;
+  gap: 0.6rem;
   flex-wrap: wrap;
   margin: -0.3rem 0 0.2rem;
 }
-.fx-rate {
+.fx-rate-field {
   display: flex;
   flex-direction: column;
-  font-size: 0.8rem;
 }
-.fx-rate input {
+.fx-label {
+  font-size: 0.8rem;
+  margin-bottom: 0.2rem;
+}
+/* input 과 버튼을 한 행으로 — stretch 로 버튼 높이를 input 에 맞춤 */
+.fx-rate-input {
+  display: flex;
+  align-items: stretch;
+  gap: 0.4rem;
+}
+.fx-rate-input input {
   width: 7rem;
 }
 .fx-auto {
-  align-self: flex-end;
-  padding: 0.4rem 0.7rem;
+  padding: 0 0.7rem;
   border: 1px solid var(--color-border);
   border-radius: 6px;
   background: var(--color-background-soft);
   color: var(--color-text);
   font-size: 0.82rem;
+  white-space: nowrap;
   cursor: pointer;
 }
 .fx-krw {
-  align-self: flex-end;
   font-weight: 700;
   color: #b8860b;
   font-size: 0.9rem;
+  padding-bottom: 0.45rem;
 }
 .row-wallet {
   margin-right: 0.35rem;