diff --git a/src/components/layout/AppHeader.vue b/src/components/layout/AppHeader.vue
index 2451b2a..eec8cc6 100644
--- a/src/components/layout/AppHeader.vue
+++ b/src/components/layout/AppHeader.vue
@@ -14,6 +14,7 @@ const route = useRoute()
 // 라우트별 헤더 타이틀(현재 화면 이름)
 const TITLES = {
   home: '돈돼지 가계부',
+  demo: '둘러보기',
   'account-entries': '가계부 내역',
   'account-stats': '통계',
   'account-recurrings': '고정 지출',
diff --git a/src/router/index.js b/src/router/index.js
index eec1fa2..fda3657 100644
--- a/src/router/index.js
+++ b/src/router/index.js
@@ -14,6 +14,12 @@ const router = createRouter({
       name: 'home',
       component: HomeView,
     },
+    {
+      // 로그인 없이 둘러보기 (더미 데이터) — 공개
+      path: '/demo',
+      name: 'demo',
+      component: () => import('../views/DemoView.vue'),
+    },
     {
       path: '/users',
       name: 'users',
diff --git a/src/views/DemoView.vue b/src/views/DemoView.vue
new file mode 100644
index 0000000..a658850
--- /dev/null
+++ b/src/views/DemoView.vue
@@ -0,0 +1,470 @@
+<script setup>
+// 로그인 없이 둘러보기 — 자체 메뉴로 가계부/고정지출/계좌/분류를 샘플(더미) 데이터로 보여준다.
+// 나머지 메뉴는 로그인 유도 안내. API 호출/실데이터 없음.
+import { ref, computed } from 'vue'
+import { useUiStore } from '@/stores/ui'
+
+const ui = useUiStore()
+
+const MENU = [
+  { key: 'account', label: '가계부 내역' },
+  { key: 'stats', label: '통계', locked: true },
+  { key: 'recurrings', label: '고정 지출' },
+  { key: 'wallets', label: '계좌 관리' },
+  { key: 'categories', label: '분류 관리' },
+  { key: 'budget', label: '예산 설정', locked: true },
+  { key: 'tags', label: '태그 관리', locked: true },
+  { key: 'board', label: '커뮤니티', locked: true },
+]
+const active = ref('account')
+const activeItem = computed(() => MENU.find((m) => m.key === active.value) || MENU[0])
+
+// ===== 더미 데이터 =====
+const summary = { income: 4600000, expense: 1827600, balance: 2772400 }
+const accountGroups = [
+  { date: '6월 27일 (금)', total: -42300, items: [
+    { cat: '식비', memo: '점심 · 김밥천국', type: 'EXPENSE', amount: 9000 },
+    { cat: '카페/간식', memo: '스타벅스', type: 'EXPENSE', amount: 5300 },
+    { cat: '교통', memo: '지하철', type: 'EXPENSE', amount: 2800 },
+    { cat: '쇼핑', memo: '다이소', type: 'EXPENSE', amount: 25200 },
+  ] },
+  { date: '6월 25일 (수)', total: 4554700, items: [
+    { cat: '급여', memo: '6월 급여', type: 'INCOME', amount: 4600000 },
+    { cat: '통신', memo: '휴대폰 요금', type: 'EXPENSE', amount: 45300 },
+  ] },
+  { date: '6월 23일 (월)', total: -68000, items: [
+    { cat: 'OTT/구독', memo: '넷플릭스', type: 'EXPENSE', amount: 17000 },
+    { cat: '식비', memo: '저녁 · 배달', type: 'EXPENSE', amount: 23000 },
+    { cat: '생활', memo: '마트 장보기', type: 'EXPENSE', amount: 28000 },
+  ] },
+]
+const recurrings = [
+  { title: '월세', freq: '매월 1일', cat: '주거', type: 'EXPENSE', amount: 600000 },
+  { title: '통신비', freq: '매월 15일', cat: '통신', type: 'EXPENSE', amount: 45300 },
+  { title: '넷플릭스', freq: '매월 23일', cat: 'OTT/구독', type: 'EXPENSE', amount: 17000 },
+  { title: '정기적금', freq: '매월 25일', cat: '저축', type: 'TRANSFER', amount: 300000 },
+  { title: '급여', freq: '매월 25일', cat: '급여', type: 'INCOME', amount: 4600000 },
+]
+const wallets = {
+  total: 15520000,
+  items: [
+    { name: '신한 주거래', kind: '은행', amount: 2540000 },
+    { name: '주택청약', kind: '은행', amount: 5000000 },
+    { name: '현금', kind: '현금', amount: 120000 },
+    { name: '삼성카드', kind: '카드', amount: -340000 },
+    { name: '연금저축(투자)', kind: '투자', amount: 8200000 },
+  ],
+}
+const categories = [
+  { major: '식비', subs: ['점심', '저녁', '카페/간식', '배달'] },
+  { major: '교통', subs: ['대중교통', '택시', '주유'] },
+  { major: '주거/통신', subs: ['월세', '관리비', '통신비'] },
+  { major: '문화/여가', subs: ['OTT/구독', '영화', '여행'] },
+  { major: '쇼핑', subs: ['생활', '의류', '온라인'] },
+]
+
+function won(n) {
+  return (n < 0 ? '-' : '') + Math.abs(n).toLocaleString('ko-KR')
+}
+function typeLabel(t) {
+  return t === 'INCOME' ? '수입' : t === 'TRANSFER' ? '이체' : '지출'
+}
+function goLogin() {
+  ui.openLogin('/account')
+}
+</script>
+
+<template>
+  <section class="demo">
+    <div class="banner">
+      <span>👀 <b>둘러보기 모드</b> · 아래는 샘플 데이터입니다.</span>
+      <button type="button" class="login-btn" @click="goLogin">로그인하고 시작</button>
+    </div>
+
+    <div class="demo-shell">
+      <!-- 데모 메뉴 -->
+      <nav class="demo-menu">
+        <button
+          v-for="m in MENU" :key="m.key" type="button"
+          class="dm-item" :class="{ active: active === m.key }"
+          @click="active = m.key"
+        >
+          <span>{{ m.label }}</span>
+          <span v-if="m.locked" class="lock">🔒</span>
+        </button>
+      </nav>
+
+      <!-- 콘텐츠 -->
+      <div class="demo-content">
+        <!-- 가계부 내역 -->
+        <template v-if="active === 'account'">
+          <div class="month-nav"><span class="chev">‹</span><span class="period">2026년 6월</span><span class="chev">›</span></div>
+          <div class="summary">
+            <div class="s-card"><span class="s-label">수입</span><span class="s-val income">{{ won(summary.income) }}</span></div>
+            <div class="s-card"><span class="s-label">지출</span><span class="s-val expense">{{ won(summary.expense) }}</span></div>
+            <div class="s-card"><span class="s-label">잔액</span><span class="s-val">{{ won(summary.balance) }}</span></div>
+          </div>
+          <div v-for="g in accountGroups" :key="g.date" class="card-group">
+            <div class="cg-head">
+              <span class="cg-title">{{ g.date }}</span>
+              <span class="cg-total" :class="g.total >= 0 ? 'income' : 'expense'">{{ won(g.total) }}</span>
+            </div>
+            <ul class="rows">
+              <li v-for="(e, i) in g.items" :key="i" class="row3">
+                <span class="tag">{{ e.cat }}</span>
+                <span class="ellip">{{ e.memo }}</span>
+                <span class="amt" :class="e.type === 'INCOME' ? 'income' : 'expense'">{{ e.type === 'INCOME' ? '+' : '-' }}{{ won(e.amount) }}</span>
+              </li>
+            </ul>
+          </div>
+        </template>
+
+        <!-- 고정 지출 -->
+        <template v-else-if="active === 'recurrings'">
+          <p class="hint">등록한 주기에 맞춰 가계부에 자동으로 '확인 필요' 내역이 생성됩니다.</p>
+          <div class="card-group">
+            <ul class="rows">
+              <li v-for="(r, i) in recurrings" :key="i" class="row-rec">
+                <div class="rec-main">
+                  <span class="rec-title">{{ r.title }}</span>
+                  <span class="rec-sub"><span class="tag">{{ r.cat }}</span> · {{ r.freq }} · {{ typeLabel(r.type) }}</span>
+                </div>
+                <span class="amt" :class="r.type === 'INCOME' ? 'income' : r.type === 'TRANSFER' ? '' : 'expense'">{{ won(r.amount) }}</span>
+              </li>
+            </ul>
+          </div>
+        </template>
+
+        <!-- 계좌 관리 -->
+        <template v-else-if="active === 'wallets'">
+          <div class="networth">
+            <span class="nw-label">총자산</span>
+            <span class="nw-val income">{{ won(wallets.total) }}</span>
+          </div>
+          <div class="card-group">
+            <ul class="rows">
+              <li v-for="(w, i) in wallets.items" :key="i" class="row-rec">
+                <div class="rec-main">
+                  <span class="rec-title">{{ w.name }}</span>
+                  <span class="rec-sub"><span class="tag">{{ w.kind }}</span></span>
+                </div>
+                <span class="amt" :class="w.amount < 0 ? 'expense' : ''">{{ won(w.amount) }}</span>
+              </li>
+            </ul>
+          </div>
+        </template>
+
+        <!-- 분류 관리 -->
+        <template v-else-if="active === 'categories'">
+          <p class="hint">대분류 아래 소분류로 묶어 관리합니다. (예산·통계는 소분류 기준)</p>
+          <div v-for="(c, i) in categories" :key="i" class="card-group">
+            <div class="cg-head"><span class="major-badge">대</span><span class="cg-title">{{ c.major }}</span></div>
+            <ul class="rows">
+              <li v-for="(s, j) in c.subs" :key="j" class="row-sub2"><span class="sub-mark">↳</span>{{ s }}</li>
+            </ul>
+          </div>
+        </template>
+
+        <!-- 잠금(로그인 유도) -->
+        <div v-else class="locked-box">
+          <div class="lock-big">🔒</div>
+          <p class="lock-title">{{ activeItem.label }}는 로그인 후 이용할 수 있어요</p>
+          <p class="lock-desc">로그인하면 통계·예산·태그·게시판까지 모두 사용할 수 있습니다.</p>
+          <button type="button" class="cta-btn" @click="goLogin">로그인 / 시작하기</button>
+        </div>
+      </div>
+    </div>
+
+    <div class="cta">
+      <p>마음에 드시나요? 로그인하면 <b>내 가계부</b>를 바로 시작할 수 있어요.</p>
+      <button type="button" class="cta-btn" @click="goLogin">로그인 / 시작하기</button>
+    </div>
+  </section>
+</template>
+
+<style scoped>
+.demo {
+  padding-bottom: 1rem;
+}
+.banner {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 0.75rem;
+  flex-wrap: wrap;
+  padding: 0.7rem 0.9rem;
+  margin-bottom: 1rem;
+  border: 1px solid hsla(160, 100%, 37%, 0.4);
+  border-radius: 8px;
+  background: hsla(160, 100%, 37%, 0.08);
+  font-size: 0.9rem;
+}
+.login-btn,
+.cta-btn {
+  padding: 0.45rem 0.9rem;
+  border: 1px solid hsla(160, 100%, 37%, 1);
+  border-radius: 6px;
+  background: hsla(160, 100%, 37%, 1);
+  color: #fff;
+  font-weight: 600;
+  cursor: pointer;
+  white-space: nowrap;
+}
+.demo-shell {
+  display: flex;
+  gap: 1rem;
+  align-items: flex-start;
+}
+.demo-menu {
+  flex: none;
+  width: 150px;
+  display: flex;
+  flex-direction: column;
+  gap: 0.15rem;
+  border: 1px solid var(--color-border);
+  border-radius: 10px;
+  padding: 0.4rem;
+  background: var(--color-background-soft);
+}
+.dm-item {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 0.3rem;
+  padding: 0.55rem 0.6rem;
+  border: 0;
+  border-radius: 6px;
+  background: transparent;
+  color: var(--color-text);
+  font-size: 0.9rem;
+  text-align: left;
+  cursor: pointer;
+}
+.dm-item:hover {
+  background: var(--color-background-mute);
+}
+.dm-item.active {
+  background: hsla(160, 100%, 37%, 0.12);
+  color: hsla(160, 100%, 37%, 1);
+  font-weight: 600;
+}
+.lock {
+  font-size: 0.75rem;
+  opacity: 0.6;
+}
+.demo-content {
+  flex: 1;
+  min-width: 0;
+}
+.month-nav {
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  gap: 1rem;
+  margin-bottom: 1rem;
+}
+.chev {
+  font-size: 1.4rem;
+  opacity: 0.5;
+}
+.period {
+  font-size: 1.1rem;
+  font-weight: 600;
+}
+.summary {
+  display: grid;
+  grid-template-columns: repeat(3, 1fr);
+  gap: 0.6rem;
+  margin-bottom: 1.25rem;
+}
+.s-card {
+  display: flex;
+  flex-direction: column;
+  gap: 0.25rem;
+  padding: 0.7rem 0.8rem;
+  border: 1px solid var(--color-border);
+  border-radius: 10px;
+  background: var(--color-background-soft);
+}
+.s-label {
+  font-size: 0.78rem;
+  opacity: 0.6;
+}
+.s-val {
+  font-size: 1rem;
+  font-weight: 700;
+}
+.income {
+  color: hsla(160, 100%, 37%, 1);
+}
+.expense {
+  color: #c0392b;
+}
+.hint {
+  font-size: 0.85rem;
+  opacity: 0.7;
+  margin-bottom: 0.8rem;
+}
+.networth {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  padding: 1rem;
+  margin-bottom: 1rem;
+  border: 1px solid var(--color-border);
+  border-radius: 10px;
+  background: var(--color-background-soft);
+}
+.nw-label {
+  font-size: 0.85rem;
+  opacity: 0.65;
+}
+.nw-val {
+  font-size: 1.3rem;
+  font-weight: 800;
+}
+.card-group {
+  margin-bottom: 1rem;
+  border: 1px solid var(--color-border);
+  border-radius: 10px;
+  overflow: hidden;
+}
+.cg-head {
+  display: flex;
+  align-items: center;
+  gap: 0.5rem;
+  justify-content: space-between;
+  padding: 0.6rem 0.9rem;
+  background: var(--color-background-mute);
+  font-size: 0.88rem;
+}
+.cg-title {
+  font-weight: 600;
+  margin-right: auto;
+}
+.cg-total {
+  font-weight: 700;
+}
+.rows {
+  list-style: none;
+  margin: 0;
+  padding: 0;
+}
+.row3 {
+  display: grid;
+  grid-template-columns: auto 1fr auto;
+  align-items: center;
+  gap: 0.6rem;
+  padding: 0.65rem 0.9rem;
+  border-top: 1px solid var(--color-border);
+}
+.row-rec {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 0.6rem;
+  padding: 0.65rem 0.9rem;
+  border-top: 1px solid var(--color-border);
+}
+.row-rec:first-child {
+  border-top: 0;
+}
+.rec-main {
+  display: flex;
+  flex-direction: column;
+  gap: 0.2rem;
+  min-width: 0;
+}
+.rec-title {
+  font-weight: 600;
+  font-size: 0.92rem;
+}
+.rec-sub {
+  font-size: 0.78rem;
+  opacity: 0.7;
+}
+.row-sub2 {
+  padding: 0.55rem 0.9rem;
+  border-top: 1px solid var(--color-border);
+  font-size: 0.9rem;
+}
+.sub-mark {
+  opacity: 0.4;
+  margin-right: 0.4rem;
+}
+.major-badge {
+  font-size: 0.7rem;
+  padding: 0.1rem 0.35rem;
+  border-radius: 4px;
+  background: hsla(160, 100%, 37%, 0.15);
+  color: hsla(160, 100%, 37%, 1);
+  font-weight: 700;
+}
+.tag {
+  font-size: 0.75rem;
+  padding: 0.1rem 0.45rem;
+  border-radius: 999px;
+  background: var(--color-background-mute);
+  white-space: nowrap;
+}
+.ellip {
+  overflow: hidden;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+  font-size: 0.92rem;
+}
+.amt {
+  font-weight: 700;
+  white-space: nowrap;
+}
+.locked-box {
+  text-align: center;
+  padding: 2.5rem 1rem;
+  border: 1px dashed var(--color-border);
+  border-radius: 12px;
+}
+.lock-big {
+  font-size: 2.2rem;
+}
+.lock-title {
+  margin-top: 0.5rem;
+  font-size: 1.05rem;
+  font-weight: 700;
+}
+.lock-desc {
+  margin: 0.4rem 0 1.1rem;
+  font-size: 0.88rem;
+  opacity: 0.7;
+}
+.cta {
+  margin-top: 1.5rem;
+  text-align: center;
+}
+.cta p {
+  font-size: 0.92rem;
+  opacity: 0.8;
+  margin-bottom: 0.75rem;
+}
+.cta .cta-btn {
+  width: 100%;
+  max-width: 320px;
+  padding: 0.8rem 1rem;
+  font-size: 1rem;
+}
+
+@media (max-width: 768px) {
+  .demo-shell {
+    flex-direction: column;
+  }
+  .demo-menu {
+    width: 100%;
+    flex-direction: row;
+    overflow-x: auto;
+    gap: 0.3rem;
+  }
+  .dm-item {
+    flex: none;
+    white-space: nowrap;
+  }
+}
+</style>
diff --git a/src/views/HomeView.vue b/src/views/HomeView.vue
index 7fbab30..4128414 100644
--- a/src/views/HomeView.vue
+++ b/src/views/HomeView.vue
@@ -1,6 +1,6 @@
 <script setup>
 import { ref, computed, onMounted, watch } from 'vue'
-import { RouterLink } from 'vue-router'
+import { RouterLink, useRouter } from 'vue-router'
 import { useAuthStore } from '@/stores/auth'
 import { useUiStore } from '@/stores/ui'
 import { accountApi } from '@/api/accountApi'
@@ -8,6 +8,7 @@ import { ID_LOGIN_ENABLED } from '@/config/features'
 
 const auth = useAuthStore()
 const ui = useUiStore()
+const router = useRouter()
 
 const now = new Date()
 const year = now.getFullYear()
@@ -298,6 +299,7 @@ onMounted(load)
           <div class="cta">
             <button type="button" class="btn primary" @click="ui.openLogin('/account')">로그인</button>
             <button v-if="ID_LOGIN_ENABLED && ui.signupEnabled" type="button" class="btn" @click="ui.openSignup()">회원가입</button>
+            <button type="button" class="btn" @click="router.push('/demo')">로그인 없이 둘러보기</button>
           </div>
           <p class="cta-note">{{ !ID_LOGIN_ENABLED || ui.signupEnabled ? '로그인하면 나의 가계부 요약을 볼 수 있어요.' : '현재 회원가입이 제한되어 있습니다.' }}</p>
         </div>