diff --git a/src/api/accountApi.js b/src/api/accountApi.js
index e16fdf0..a2f4f22 100644
--- a/src/api/accountApi.js
+++ b/src/api/accountApi.js
@@ -15,6 +15,10 @@ const realApi = {
   categoryStats({ type, year, month } = {}) {
     return http.get('/account/category-stats', { params: { type, year, month } })
   },
+  // 통계 화면 집계 → AI 재무 코멘트(유료). 실패해도 화면을 막지 않도록 전역 배너 억제
+  aiComment(payload) {
+    return http.post('/account/ai-comment', payload, { timeout: 30000, suppressNetError: true })
+  },
   netWorthTrend({ months, weeks, unit } = {}) {
     return http.get('/account/networth/trend', { params: { months, weeks, unit } })
   },
@@ -262,7 +266,7 @@ const DEMO_WRITES = new Set([
   'createRecurring', 'updateRecurring', 'removeRecurring', 'runRecurrings',
   'createWallet', 'updateWallet', 'removeWallet', 'reorderWallets',
   'createCategory', 'updateCategory', 'removeCategory', 'reorderCategories', 'importCategories',
-  'createTag', 'updateTag', 'removeTag', 'reorderTags', 'confirmEntry', 'ocrReceipt', 'parseReceiptAi', 'restore',
+  'createTag', 'updateTag', 'removeTag', 'reorderTags', 'confirmEntry', 'ocrReceipt', 'parseReceiptAi', 'aiComment', 'restore',
   'createBudget', 'updateBudget', 'removeBudget', 'setExpectedIncome',
   'createHolding', 'updateHolding', 'removeHolding', 'addTrade', 'updateTrade', 'removeTrade',
   'refreshPrices', 'refreshAllPrices',
diff --git a/src/views/account/AccountDashboardView.vue b/src/views/account/AccountDashboardView.vue
index c55a61c..ea58d1c 100644
--- a/src/views/account/AccountDashboardView.vue
+++ b/src/views/account/AccountDashboardView.vue
@@ -24,6 +24,8 @@ const catType = ref('EXPENSE') // 분류별 파이차트 구분
 const catData = ref([]) // [{category, total}]
 const categoryList = ref([]) // 분류 목록(대/소분류 매핑용)
 const trendData = ref([]) // [{month, netWorth}]
+const aiBullets = ref([]) // AI 재무 코멘트 문장들
+const aiLoading = ref(false)
 
 const periodLabel = computed(() => `${year.value}년 ${String(month.value).padStart(2, '0')}월`)
 
@@ -264,6 +266,7 @@ async function load() {
     monthIncome.value = summary.totalIncome
     monthExpense.value = summary.totalExpense
     prevMonthExpense.value = prevSummary.totalExpense
+    loadAiComment() // 집계가 준비된 뒤 AI 코멘트 생성(비동기, 화면 로딩 막지 않음)
   } catch (e) {
     error.value = e.response?.data?.message || '불러오지 못했습니다.'
   } finally {
@@ -271,6 +274,29 @@ async function load() {
   }
 }
 
+// 이번 달 집계만 백엔드로 보내 AI 재무 코멘트를 받는다(거래 원문 미전송, 실패해도 무중단)
+async function loadAiComment() {
+  aiLoading.value = true
+  aiBullets.value = []
+  try {
+    const res = await accountApi.aiComment({
+      year: year.value,
+      month: month.value,
+      income: monthIncome.value,
+      expense: monthExpense.value,
+      prevExpense: prevMonthExpense.value,
+      budget: budgetTotal.value,
+      spent: spentTotal.value,
+      categories: (catData.value || []).slice(0, 8).map((c) => ({ category: c.category, total: c.total })),
+    })
+    aiBullets.value = res?.bullets || []
+  } catch {
+    aiBullets.value = []
+  } finally {
+    aiLoading.value = false
+  }
+}
+
 function setUnit(u) {
   unit.value = u
   loadBar()
@@ -335,6 +361,15 @@ onMounted(async () => {
     <p v-if="loading" class="msg">불러오는 중...</p>
 
     <template v-else>
+      <!-- AI 재무 코멘트: 이번 달 집계 해석 -->
+      <div v-if="aiLoading || aiBullets.length" class="ai-comment">
+        <div class="ai-comment-head">✨ 이번 달 AI 코멘트</div>
+        <p v-if="aiLoading" class="ai-comment-loading">집계를 분석하고 있어요…</p>
+        <ul v-else class="ai-comment-list">
+          <li v-for="(b, i) in aiBullets" :key="i">{{ b }}</li>
+        </ul>
+      </div>
+
       <!-- 상단: 예산 대비 지출(도넛) + 수입 대비 지출 -->
       <div class="top-grid">
         <div class="panel donut-panel">
@@ -551,6 +586,36 @@ h2 {
   padding: 1rem 1.1rem;
   margin-bottom: 1rem;
 }
+/* AI 재무 코멘트 카드 */
+.ai-comment {
+  border: 1px solid hsla(160, 100%, 37%, 0.45);
+  border-radius: 12px;
+  background: hsla(160, 100%, 37%, 0.07);
+  padding: 0.9rem 1.1rem;
+  margin-bottom: 1rem;
+}
+.ai-comment-head {
+  font-weight: 700;
+  font-size: 0.95rem;
+  color: hsla(160, 100%, 32%, 1);
+  margin-bottom: 0.5rem;
+}
+.ai-comment-loading {
+  font-size: 0.85rem;
+  opacity: 0.6;
+  margin: 0;
+}
+.ai-comment-list {
+  margin: 0;
+  padding-left: 1.1rem;
+  display: flex;
+  flex-direction: column;
+  gap: 0.35rem;
+}
+.ai-comment-list li {
+  font-size: 0.9rem;
+  line-height: 1.45;
+}
 .panel-head {
   display: flex;
   align-items: center;