feat: 홈 일별 캘린더·시세 갱신·게시판 카테고리·약관동의·계좌 마스킹

- 홈: 6월 예산 아래 일별 수입/지출 캘린더(마우스오버/탭 시 내역 목록)
- 투자: 시세 자동조회 버튼/진입 시 갱신, 보유종목 2줄 표기, 평가액 직접입력
- 게시판: 커뮤니티/짠테크 수다방/재테크 팁 분리, 사이드바 영역 구분선
- 회원가입: 이용약관·개인정보 수집 동의(필수 체크)
- 보안: 계좌번호 화면 마스킹(끝 4자리+눈 토글)
- 정기→고정지출, 내역/정기 라디오·sticky 저장, 태그 드래그 정렬
- fix: 모바일웹 새로고침 시 로그인 팝업(restore localStorage 우선)

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

src/views/account/RecurringView.vue

@@ -20,7 +20,9 @@ const form = reactive({
   amount: null,
   category: '',
   memo: '',
+  walletKind: '',
   walletId: '',
+  toWalletKind: '',
   toWalletId: '',
   frequency: 'MONTHLY',
   dayOfMonth: 1,
@@ -39,6 +41,23 @@ const categoryOptions = computed(() => {
   if (form.category && !names.includes(form.category)) names.unshift(form.category)
   return names
 })
+// 계좌/카드 — 종류(계좌/카드)를 라디오로 고르고, 그 종류만 셀렉트로 노출
+const WALLET_KINDS = [
+  { value: 'BANK', label: '계좌' },
+  { value: 'CARD', label: '카드' },
+]
+const walletsOfKind = computed(() => wallets.value.filter((w) => w.type === form.walletKind))
+const toWalletsOfKind = computed(() => wallets.value.filter((w) => w.type === form.toWalletKind))
+function walletKindOf(id) {
+  const w = wallets.value.find((x) => x.id === id)
+  return w ? w.type : ''
+}
+function onWalletKindChange() {
+  form.walletId = ''
+}
+function onToWalletKindChange() {
+  form.toWalletId = ''
+}
 
 function won(n) {
   return (n ?? 0).toLocaleString('ko-KR')
@@ -52,6 +71,39 @@ function freqLabel(r) {
   if (r.frequency === 'MONTHLY') return `매월 ${r.dayOfMonth}일`
   return `매년 ${r.monthOfYear}/${r.dayOfMonth}`
 }
+
+// 결제일 정렬 키 (작을수록 먼저): 매일<매주(요일)<매월(일) / 매년(월·일)
+function payKey(r) {
+  if (r.frequency === 'DAILY') return 0
+  if (r.frequency === 'WEEKLY') return r.dayOfWeek || 0
+  if (r.frequency === 'YEARLY') return (r.monthOfYear || 0) * 100 + (r.dayOfMonth || 0)
+  return r.dayOfMonth || 0 // MONTHLY
+}
+
+// 월간/년간 분리 → 카테고리별 그룹 → 결제일순 정렬 → 소계·합계 (활성 건만 합산, 중지 건은 표시만)
+const PERIODS = [
+  { key: 'MONTH', label: '월간 거래', freqs: ['DAILY', 'WEEKLY', 'MONTHLY'] },
+  { key: 'YEAR', label: '년간 거래', freqs: ['YEARLY'] },
+]
+const grouped = computed(() =>
+  PERIODS.map((p) => {
+    const items = recurrings.value.filter((r) => p.freqs.includes(r.frequency))
+    const catMap = {}
+    for (const r of items) {
+      const cat = r.type === 'TRANSFER' ? '이체' : r.category || '미분류'
+      if (!catMap[cat]) catMap[cat] = { category: cat, items: [], subtotal: 0, minKey: Infinity }
+      catMap[cat].items.push(r)
+      catMap[cat].minKey = Math.min(catMap[cat].minKey, payKey(r))
+      if (r.active) catMap[cat].subtotal += r.amount || 0
+    }
+    // 카테고리 안 항목은 결제일순, 카테고리도 가장 이른 결제일순으로 정렬
+    const cats = Object.values(catMap)
+    cats.forEach((c) => c.items.sort((a, b) => payKey(a) - payKey(b)))
+    cats.sort((a, b) => a.minKey - b.minKey || a.category.localeCompare(b.category, 'ko'))
+    const total = items.filter((r) => r.active).reduce((s, r) => s + (r.amount || 0), 0)
+    return { ...p, cats, total, count: items.length }
+  }).filter((g) => g.count > 0),
+)
 function todayStr() {
   const d = new Date()
   return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`
@@ -79,7 +131,7 @@ async function load() {
 async function runNow() {
   try {
     const res = await accountApi.runRecurrings()
-    alert(`${res.generated}건의 정기 거래가 반영되었습니다.`)
+    alert(`${res.generated}건의 고정 지출가 반영되었습니다.`)
     await load()
   } catch (e) {
     alert(e.response?.data?.message || '반영에 실패했습니다.')
@@ -90,7 +142,7 @@ function openCreate() {
   editId.value = null
   Object.assign(form, {
     title: '', type: 'EXPENSE', amount: null, category: '', memo: '',
-    walletId: '', toWalletId: '', frequency: 'MONTHLY', dayOfMonth: 1, dayOfWeek: 1,
+    walletKind: '', walletId: '', toWalletKind: '', toWalletId: '', frequency: 'MONTHLY', dayOfMonth: 1, dayOfWeek: 1,
     monthOfYear: 1, startDate: todayStr(), endDate: '', active: true,
   })
   formError.value = null
@@ -100,7 +152,8 @@ function openEdit(r) {
   editId.value = r.id
   Object.assign(form, {
     title: r.title, type: r.type, amount: r.amount, category: r.category || '', memo: r.memo || '',
-    walletId: r.walletId || '', toWalletId: r.toWalletId || '', frequency: r.frequency,
+    walletKind: walletKindOf(r.walletId), walletId: r.walletId || '',
+    toWalletKind: walletKindOf(r.toWalletId), toWalletId: r.toWalletId || '', frequency: r.frequency,
     dayOfMonth: r.dayOfMonth || 1, dayOfWeek: r.dayOfWeek || 1, monthOfYear: r.monthOfYear || 1,
     startDate: r.startDate, endDate: r.endDate || '', active: r.active,
   })
@@ -156,7 +209,7 @@ async function submit() {
 }
 
 async function remove(r) {
-  if (!confirm(`'${r.title}' 정기 거래를 삭제할까요? (이미 생성된 내역은 유지됩니다)`)) return
+  if (!confirm(`'${r.title}' 고정 지출를 삭제할까요? (이미 생성된 내역은 유지됩니다)`)) return
   try {
     await accountApi.removeRecurring(r.id)
     await load()
@@ -171,11 +224,11 @@ onMounted(load)
 <template>
   <section class="recur">
     <header class="head">
-      <h1>정기 거래</h1>
+      <h1>고정 지출</h1>
       <div class="head-actions">
         <IconBtn icon="refresh" title="지금 반영" @click="runNow" />
         <IconBtn icon="back" title="가계부로" @click="router.push('/account')" />
-        <IconBtn icon="plus" title="정기 거래 추가" variant="primary" @click="openCreate" />
+        <IconBtn icon="plus" title="고정 지출 추가" variant="primary" @click="openCreate" />
       </div>
     </header>
     <p class="hint">등록한 주기에 맞춰 가계부 진입 시 자동으로 내역이 생성됩니다. (중복 없이)</p>
@@ -183,26 +236,38 @@ onMounted(load)
     <p v-if="error" class="msg error">{{ error }}</p>
     <p v-if="loading" class="msg">불러오는 중...</p>
 
-    <ul v-else-if="recurrings.length" class="recur-list">
-      <li v-for="r in recurrings" :key="r.id" class="recur-row" :class="{ inactive: !r.active }">
-        <div class="info">
-          <div class="line1">
-            <span class="title">{{ r.title }}</span>
-            <span class="type-badge" :class="r.type.toLowerCase()">{{ typeLabel(r.type) }}</span>
-            <span v-if="!r.active" class="off">중지</span>
-          </div>
-          <div class="sub">
-            {{ freqLabel(r) }} · {{ won(r.amount) }}<template v-if="r.category"> · {{ r.category }}</template>
-          </div>
-          <div v-if="r.nextDate" class="next">다음 {{ r.nextDate }}</div>
+    <div v-else-if="recurrings.length" class="recur-groups">
+      <section v-for="g in grouped" :key="g.key" class="period-group">
+        <div class="period-head">
+          <h2>{{ g.label }}</h2>
+          <span class="period-total">합계 {{ won(g.total) }}</span>
         </div>
-        <div class="actions">
-          <IconBtn icon="edit" title="수정" size="sm" @click="openEdit(r)" />
-          <IconBtn icon="trash" title="삭제" variant="danger" size="sm" @click="remove(r)" />
+        <div v-for="c in g.cats" :key="c.category" class="cat-group">
+          <div class="cat-head">
+            <span class="cat-name">{{ c.category }}</span>
+            <span class="cat-subtotal">소계 {{ won(c.subtotal) }}</span>
+          </div>
+          <ul class="recur-list">
+            <li v-for="r in c.items" :key="r.id" class="recur-row" :class="{ inactive: !r.active }">
+              <div class="info">
+                <div class="line1">
+                  <span class="title">{{ r.title }}</span>
+                  <span class="type-badge" :class="r.type.toLowerCase()">{{ typeLabel(r.type) }}</span>
+                  <span v-if="!r.active" class="off">중지</span>
+                </div>
+                <div class="sub">{{ freqLabel(r) }} · {{ won(r.amount) }}</div>
+                <div v-if="r.nextDate" class="next">다음 {{ r.nextDate }}</div>
+              </div>
+              <div class="actions">
+                <IconBtn icon="edit" title="수정" size="sm" @click="openEdit(r)" />
+                <IconBtn icon="trash" title="삭제" variant="danger" size="sm" @click="remove(r)" />
+              </div>
+            </li>
+          </ul>
         </div>
-      </li>
-    </ul>
-    <p v-else-if="!loading" class="msg">등록된 정기 거래가 없습니다.</p>
+      </section>
+    </div>
+    <p v-else-if="!loading" class="msg">등록된 고정 지출가 없습니다.</p>
 
     <!-- 추가/수정 모달 -->
     <Teleport to="body">
@@ -210,7 +275,7 @@ onMounted(load)
         <div v-if="formOpen" class="modal-backdrop" @click.self="formOpen = false">
           <div class="modal" role="dialog" aria-modal="true">
             <button class="close" type="button" @click="formOpen = false">×</button>
-            <h2>정기 거래 {{ editId ? '수정' : '추가' }}</h2>
+            <h2>고정 지출 {{ editId ? '수정' : '추가' }}</h2>
 
             <form class="recur-form" @submit.prevent="submit">
               <label>이름<input v-model="form.title" type="text" placeholder="예: 월세, 급여" :disabled="submitting" /></label>
@@ -223,18 +288,40 @@ onMounted(load)
               </label>
               <label>금액<input v-model.number="form.amount" type="number" min="0" placeholder="원" :disabled="submitting" /></label>
 
-              <label>{{ form.type === 'TRANSFER' ? '출금 계좌' : '계좌/카드' }}
-                <select v-model="form.walletId" :disabled="submitting">
-                  <option value="">(선택 안 함)</option>
-                  <option v-for="w in wallets" :key="w.id" :value="w.id">{{ w.name }}</option>
-                </select>
-              </label>
-              <label v-if="form.type === 'TRANSFER'">입금 계좌
-                <select v-model="form.toWalletId" :disabled="submitting">
+              <div class="field">
+                <div class="field-row">
+                  <span class="field-label">{{ form.type === 'TRANSFER' ? '출금 계좌' : '계좌/카드' }}</span>
+                  <div class="wallet-radios">
+                    <label v-for="k in WALLET_KINDS" :key="k.value" class="radio">
+                      <input type="radio" :value="k.value" v-model="form.walletKind" :disabled="submitting" @change="onWalletKindChange" />
+                      {{ k.label }}
+                    </label>
+                  </div>
+                </div>
+                <select v-if="form.walletKind" v-model="form.walletId" :disabled="submitting">
                   <option value="">(선택)</option>
-                  <option v-for="w in wallets" :key="w.id" :value="w.id">{{ w.name }}</option>
+                  <option v-for="w in walletsOfKind" :key="w.id" :value="w.id">
+                    {{ w.name }}{{ w.issuer ? ` (${w.issuer})` : '' }}
+                  </option>
                 </select>
-              </label>
+              </div>
+              <div v-if="form.type === 'TRANSFER'" class="field">
+                <div class="field-row">
+                  <span class="field-label">입금 계좌</span>
+                  <div class="wallet-radios">
+                    <label v-for="k in WALLET_KINDS" :key="k.value" class="radio">
+                      <input type="radio" :value="k.value" v-model="form.toWalletKind" :disabled="submitting" @change="onToWalletKindChange" />
+                      {{ k.label }}
+                    </label>
+                  </div>
+                </div>
+                <select v-if="form.toWalletKind" v-model="form.toWalletId" :disabled="submitting">
+                  <option value="">(선택)</option>
+                  <option v-for="w in toWalletsOfKind" :key="w.id" :value="w.id">
+                    {{ w.name }}{{ w.issuer ? ` (${w.issuer})` : '' }}
+                  </option>
+                </select>
+              </div>
               <label v-if="form.type !== 'TRANSFER'">분류
                 <select v-model="form.category" :disabled="submitting">
                   <option value="">(선택)</option>
@@ -325,6 +412,49 @@ button.primary {
   border-color: hsla(160, 100%, 37%, 1);
   color: hsla(160, 100%, 37%, 1);
 }
+.recur-groups {
+  margin-top: 0.5rem;
+}
+.period-group {
+  margin-bottom: 1.5rem;
+}
+.period-head {
+  display: flex;
+  align-items: baseline;
+  justify-content: space-between;
+  padding-bottom: 0.3rem;
+  border-bottom: 2px solid var(--color-border);
+  margin-bottom: 0.5rem;
+}
+.period-head h2 {
+  font-size: 1.1rem;
+  font-weight: 700;
+}
+.period-total {
+  font-size: 0.95rem;
+  font-weight: 700;
+  color: hsla(160, 100%, 37%, 1);
+}
+.cat-group {
+  margin-bottom: 0.6rem;
+}
+.cat-head {
+  display: flex;
+  align-items: baseline;
+  justify-content: space-between;
+  padding: 0.25rem 0.1rem;
+  background: var(--color-background-soft);
+  border-radius: 4px;
+}
+.cat-name {
+  font-size: 0.88rem;
+  font-weight: 600;
+}
+.cat-subtotal {
+  font-size: 0.82rem;
+  font-weight: 600;
+  opacity: 0.8;
+}
 .recur-list {
   list-style: none;
   padding-left: 0;
@@ -463,6 +593,51 @@ button.primary {
 .recur-form label.row input {
   padding: 0;
 }
+/* 계좌/카드 라디오 선택 */
+.field {
+  display: flex;
+  flex-direction: column;
+  gap: 0.3rem;
+}
+.field-row {
+  display: flex;
+  align-items: center;
+  gap: 0.9rem;
+}
+.field-label {
+  font-size: 0.85rem;
+  flex-shrink: 0;
+}
+.wallet-radios {
+  display: flex;
+  flex: 1;
+  min-width: 0;
+  flex-wrap: wrap;
+  gap: 0.4rem 0.9rem;
+  padding: 0.1rem 0;
+}
+.wallet-radios .radio {
+  display: flex;
+  flex-direction: row;
+  align-items: center;
+  gap: 0.3rem;
+  font-size: 0.85rem;
+  cursor: pointer;
+}
+.wallet-radios .radio input {
+  padding: 0;
+  width: auto;
+  margin: 0;
+}
+.r-issuer {
+  margin-left: 0.2rem;
+  font-size: 0.72rem;
+  opacity: 0.6;
+}
+.empty-hint {
+  font-size: 0.78rem;
+  opacity: 0.6;
+}
 .buttons {
   display: flex;
   justify-content: flex-end;