diff --git a/src/views/account/AccountView.vue b/src/views/account/AccountView.vue
index 137574c..6641711 100644
--- a/src/views/account/AccountView.vue
+++ b/src/views/account/AccountView.vue
@@ -173,13 +173,23 @@ const loanAutoResult = computed(() => {
     const principal = Math.round(Number(loan.loanAmount) / loan.loanMonths)
     return { interest, principal, total: principal + interest, needsInput: false }
   }
-  if (loan.loanMethod === 'EQUAL_PAYMENT' && loan.loanAmount && loan.loanMonths && loan.loanRate) {
-    // PMT 공식: M = P × r(1+r)^n / ((1+r)^n − 1)
-    const r = Number(loan.loanRate) / 100 / 12
-    const n = loan.loanMonths
-    const M = Math.round(Number(loan.loanAmount) * r * Math.pow(1 + r, n) / (Math.pow(1 + r, n) - 1))
-    const principal = Math.max(0, M - interest)
-    return { interest, principal, total: M, needsInput: false }
+  if (loan.loanMethod === 'EQUAL_PAYMENT') {
+    // 월 상환금이 저장돼 있으면 그대로 사용(은행과 일치) → 없으면 원금·개월수로 PMT 추정
+    let M = null
+    if (loan.loanPayment) {
+      M = Number(loan.loanPayment)
+    } else if (loan.loanAmount && loan.loanMonths && loan.loanRate) {
+      // PMT 공식: M = P × r(1+r)^n / ((1+r)^n − 1)
+      const r = Number(loan.loanRate) / 100 / 12
+      const n = loan.loanMonths
+      M = Math.round(Number(loan.loanAmount) * r * Math.pow(1 + r, n) / (Math.pow(1 + r, n) - 1))
+    }
+    if (M != null) {
+      // 마지막 회차 등 잔액이 작을 땐 원금을 잔액까지만(초과 상환 방지)
+      const bal = Math.abs(Number(loan.balance) || 0)
+      const principal = Math.min(Math.max(0, M - interest), bal)
+      return { interest, principal, total: principal + interest, needsInput: false }
+    }
   }
   return { interest: null, principal: null, total: null, needsInput: true }
 })