diff --git a/code/app/app-go/db/finance_auto.sql b/code/app/app-go/db/finance_auto.sql
index d02806c8..2d4d1b44 100644
--- a/code/app/app-go/db/finance_auto.sql
+++ b/code/app/app-go/db/finance_auto.sql
@@ -6,6 +6,7 @@ create table b_finance_auto (
   type smallint not null,
   category_id bigint not null,
   amount numeric(12,2) not null,
+  title varchar(64) default '',
   remark varchar(255) default '',
   repeat_type smallint not null,
   repeat_date varchar(64) default '',
diff --git a/code/app/app-rn/src/app/(main)/(tabs)/chat/index.tsx b/code/app/app-rn/src/app/(main)/(tabs)/chat/index.tsx
index b0cf552e..49dd0e1c 100644
--- a/code/app/app-rn/src/app/(main)/(tabs)/chat/index.tsx
+++ b/code/app/app-rn/src/app/(main)/(tabs)/chat/index.tsx
@@ -1,5 +1,5 @@
 import { useCallback, useEffect, useRef, useState, memo, useMemo } from "react";
-import { Image, Text, TextInput, View, Keyboard } from "react-native";
+import { Image, Text, TextInput, View } from "react-native";
 import { KeyboardAvoidingView } from "react-native-keyboard-controller";
 import { useRouter } from "expo-router";
 import { Menu, PressableFeedback, Spinner } from "heroui-native";
@@ -324,7 +324,6 @@ export default function ChatPage() {
   const [inputText, setInputText] = useState("");
   const [adminRole, setAdminRole] = useState(0);
   const listRef = useRef<any>(null);
-  const nearBottomRef = useRef(true);
 
   // ---- optimistic send ----
   type PendingMsg = {
@@ -438,37 +437,8 @@ export default function ChatPage() {
     return merged;
   }, [history, ws.messages, pending, familyId, userId]);
 
-  // Non-inverted: scrollToEnd = latest messages
-  const scrollToBottom = useCallback((animated = true) => {
-    requestAnimationFrame(() => {
-      requestAnimationFrame(() => {
-        listRef.current?.scrollToEnd?.({ animated });
-      });
-    });
-  }, []);
-
-  // 延迟多次滚底，确保 FlatList 布局稳定后能滚到位
-  const scrollToBottomMulti = useCallback((animated = true, times = 3, delay = 80) => {
-    for (let i = 0; i < times; i++) {
-      setTimeout(() => scrollToBottom(animated), i * delay);
-    }
-  }, [scrollToBottom]);
-
-  // Keyboard appears → 等键盘动画完成再滚到底
-  useEffect(() => {
-    const sub = Keyboard.addListener("keyboardDidShow", () => {
-      scrollToBottomMulti(true, 3, 120);
-    });
-    return () => sub.remove();
-  }, [scrollToBottomMulti]);
-
-  // 首次加载完成后滚到底部
-  const initialScrollDone = useRef(false);
-  useEffect(() => {
-    if (loading || initialScrollDone.current || allMessages.length === 0) return;
-    initialScrollDone.current = true;
-    scrollToBottomMulti(false, 4, 100);
-  }, [loading, allMessages.length, scrollToBottomMulti]);
+  // 倒序列表：最新消息在 index 0（inverted FlatList 底部）
+  const invertedMessages = useMemo(() => [...allMessages].reverse(), [allMessages]);
 
   // 成员映射
   useEffect(() => {
@@ -556,7 +526,6 @@ export default function ChatPage() {
     const text = inputText.trim();
     if (!text) return;
     setInputText("");
-    Keyboard.dismiss();
 
     const localId = `${Date.now()}_${Math.random().toString(36).slice(2, 6)}`;
     const now = new Date().toISOString();
@@ -592,20 +561,6 @@ export default function ChatPage() {
     }, 10_000);
   }
 
-  // 数据加载完成后，标记 listReady=true，让 FlatList 开始渲染
-  // Auto-scroll when a new message arrives (WebSocket push)
-  const msgCountRef = useRef(0);
-  useEffect(() => {
-    if (msgCountRef.current === 0 && allMessages.length > 0) {
-      msgCountRef.current = allMessages.length;
-      return;
-    }
-    if (allMessages.length > msgCountRef.current) {
-      scrollToBottomMulti(true, 3, 80);
-    }
-    msgCountRef.current = allMessages.length;
-  }, [allMessages.length, scrollToBottomMulti]);
-
   if (loading) {
     return (
       <LayoutView>
@@ -635,7 +590,6 @@ export default function ChatPage() {
                     placeholderTextColor="#86A19C"
                     value={inputText}
                     onChangeText={setInputText}
-                    onFocus={() => scrollToBottomMulti(true, 3, 100)}
                     onSubmitEditing={handleSend}
                     returnKeyType="send"
                     multiline
@@ -656,31 +610,30 @@ export default function ChatPage() {
                 </PressableFeedback>
               </View>
             }
-            data={allMessages}
-            keyExtractor={(item) => String(item.id)}
-            contentContainerStyle={{ paddingBottom: 40 }}
-            onScroll={({ nativeEvent }) => {
-              const { contentOffset, contentSize, layoutMeasurement } = nativeEvent;
-              nearBottomRef.current = contentSize.height - contentOffset.y - layoutMeasurement.height < 100;
-              if (contentOffset.y < 30 && hasMore && !loadingMore) {
-                handleLoadMore();
-              }
+            data={invertedMessages}
+            inverted
+            keyExtractor={(item) => {
+              const p = (item as any)._pending;
+              return p ? p.localId : String(item.id);
             }}
-            scrollEventThrottle={200}
-            onContentSizeChange={() => {
-              if (!loadingMore && nearBottomRef.current) {
-                scrollToBottomMulti(false, 2, 50);
-              }
+            contentContainerStyle={{ paddingTop: 40 }}
+            onEndReached={() => {
+              if (hasMore && !loadingMore) handleLoadMore();
             }}
-            ListHeaderComponent={
-              loadingMore ? (
-                <View className="py-2 items-center">
-                  <Spinner size="sm" />
+            onEndReachedThreshold={0.3}
+            ListFooterComponent={
+              hasMore ? (
+                <View style={{ transform: [{ scaleY: -1 }] }} className="py-3 items-center">
+                  {loadingMore ? (
+                    <Spinner size="sm" />
+                  ) : (
+                    <Text className="text-xs text-gray-300">上拉加载更多</Text>
+                  )}
                 </View>
               ) : null
             }
             ListEmptyComponent={
-              <View className="items-center py-20">
+              <View style={{ transform: [{ scaleY: -1 }] }} className="items-center py-20">
                 <Text className="text-gray-400 text-sm">暂无消息，开始聊天吧</Text>
               </View>
             }
diff --git a/code/app/app-rn/src/app/finance/(tabs)/_layout.tsx b/code/app/app-rn/src/app/finance/(tabs)/_layout.tsx
index 23bdbbb9..128f5ab1 100644
--- a/code/app/app-rn/src/app/finance/(tabs)/_layout.tsx
+++ b/code/app/app-rn/src/app/finance/(tabs)/_layout.tsx
@@ -4,7 +4,7 @@ import ModuleLayout from "@/layouts/ModuleLayout";
 import { TabbarItem } from "@/components/layout/tabbar";
 import { useFinanceStore } from "@/store/finance";
 import { useFamilyStore } from "@/store/family";
-import { ChartNoAxesColumnIcon, CircleDollarSignIcon, PlusIcon } from "lucide-react-native";
+import { ChartNoAxesColumnIcon, CircleDollarSignIcon, RepeatIcon } from "lucide-react-native";
 
 const tabs: TabbarItem[] = [
   {
@@ -13,10 +13,9 @@ const tabs: TabbarItem[] = [
     title: "记账",
   },
   {
-    id: "/finance/add",
-    icon: PlusIcon,
-    title: "添加",
-    isCenter: true,
+    id: "/finance/auto-rules",
+    icon: RepeatIcon,
+    title: "自动",
   },
   {
     id: "/finance/analysis",
diff --git a/code/app/app-rn/src/app/finance/(tabs)/auto-rules/index.tsx b/code/app/app-rn/src/app/finance/(tabs)/auto-rules/index.tsx
new file mode 100644
index 00000000..c1333771
--- /dev/null
+++ b/code/app/app-rn/src/app/finance/(tabs)/auto-rules/index.tsx
@@ -0,0 +1,544 @@
+import { useCallback, useEffect, useMemo, useState } from "react";
+import { Alert, ScrollView, Text, TouchableOpacity, View } from "react-native";
+import { Button, Label, TextField } from "heroui-native";
+import BottomSheet from "@/components/BottomSheet";
+import { CheckIcon, PlusIcon, PencilIcon, Trash2Icon } from "lucide-react-native";
+import LayoutView from "@/components/layout/view";
+import EmptyState from "@/components/EmptyStatus";
+import FinanceCategoryIcon from "@/components/finance/FinanceCategoryIcon";
+import { useFamilyStore, useFinanceStore, useUserStore } from "@/store";
+import { FinanceAuto, FinanceAutoRepeatType, FinanceCategory, FinanceType } from "@/types/finance";
+import { REPEAT_LABELS, WEEK_DAYS } from "@/helpers/financeAuto";
+import { useListLoading, useLoading } from "@/hooks/useLoading";
+import { LoadingOverlay } from "@/components/LoadingOverlay";
+
+const moneyFormatter = new Intl.NumberFormat("zh-CN", { minimumFractionDigits: 2, maximumFractionDigits: 2 });
+
+function formatMoney(value: number) {
+  return moneyFormatter.format(Math.abs(value));
+}
+
+/** 格式化 repeat_date 为人类可读文本 */
+function formatRepeatDate(repeatType: number, repeatDate: string): string {
+  const exclude = repeatDate.startsWith("!");
+  const raw = exclude ? repeatDate.slice(1) : repeatDate;
+
+  switch (repeatType) {
+    case FinanceAutoRepeatType.Daily: {
+      if (!exclude) return "每天";
+      if (!raw) return "每天";
+      const days = raw.split(",").map(Number);
+      const labels = days.map((d) => WEEK_DAYS.find((w) => w.value === d)?.label || String(d));
+      return `排除 周${labels.join("、")}`;
+    }
+    case FinanceAutoRepeatType.Weekly: {
+      if (!raw) return exclude ? "未设置" : "未设置";
+      const days = raw.split(",").map(Number);
+      const labels = days.map((d) => WEEK_DAYS.find((w) => w.value === d)?.label || String(d));
+      return exclude ? `排除 周${labels.join("、")}` : `周${labels.join("、")}`;
+    }
+    case FinanceAutoRepeatType.Monthly: {
+      if (!raw) return "未设置";
+      const dates = raw.split(",").map(Number).sort((a, b) => a - b);
+      return exclude ? `排除 ${dates.join("、")}号` : `${dates.join("、")}号`;
+    }
+    default:
+      return raw || "未设置";
+  }
+}
+
+interface AutoFormState {
+  repeatType: FinanceAutoRepeatType;
+  repeatDate: string;
+  excludeMode: boolean;
+  title: string;
+  amount: string;
+  remark: string;
+  categoryId: number | null;
+}
+
+function createEmptyForm(): AutoFormState {
+  return {
+    repeatType: FinanceAutoRepeatType.Daily,
+    repeatDate: "",
+    excludeMode: false,
+    title: "",
+    amount: "",
+    remark: "",
+    categoryId: null,
+  };
+}
+
+type FilterTab = "all" | "daily" | "weekly" | "monthly";
+const FILTER_TABS: { key: FilterTab; label: string }[] = [
+  { key: "all", label: "全部" },
+  { key: "daily", label: "每天" },
+  { key: "weekly", label: "每周" },
+  { key: "monthly", label: "每月" },
+];
+
+export default function AutoRulesPage() {
+  const familyId = useFamilyStore((s) => s.getFamilyId());
+  const userId = useUserStore((s) => s.getUserId());
+  const categories = useFinanceStore((s) => s.categories);
+  const autoRules = useFinanceStore((s) => s.autoRules);
+  const fetchAutoRules = useFinanceStore((s) => s.fetchAutoRules);
+  const saveAutoRule = useFinanceStore((s) => s.saveAutoRule);
+  const loadCategories = useFinanceStore((s) => s.loadCategories);
+  const { loading, refreshing, runInitial, runRefresh } = useListLoading();
+  const { isLoading, startLoading, stopLoading } = useLoading();
+
+  const [filterTab, setFilterTab] = useState<FilterTab>("all");
+  const [showEditor, setShowEditor] = useState(false);
+  const [editForm, setEditForm] = useState<AutoFormState>(createEmptyForm());
+  const [editingRuleId, setEditingRuleId] = useState<number | null>(null);
+  const [showCategoryPicker, setShowCategoryPicker] = useState(false);
+
+  const loadData = useCallback(() => {
+    if (!familyId) return;
+    if (categories.length === 0) loadCategories(familyId);
+    fetchAutoRules(familyId);
+  }, [familyId, categories.length, fetchAutoRules, loadCategories]);
+
+  useEffect(() => {
+    if (!familyId) return;
+    runInitial(async () => { loadData(); });
+  }, [familyId]);
+
+  const handleRefresh = useCallback(() => {
+    runRefresh(async () => { loadData(); });
+  }, [loadData, runRefresh]);
+
+  // 筛选后的规则
+  const filteredRules = useMemo(() => {
+    if (filterTab === "all") return autoRules;
+    const typeMap: Record<Exclude<FilterTab, "all">, FinanceAutoRepeatType> = {
+      daily: FinanceAutoRepeatType.Daily,
+      weekly: FinanceAutoRepeatType.Weekly,
+      monthly: FinanceAutoRepeatType.Monthly,
+    };
+    return autoRules.filter((r) => r.repeat_type === typeMap[filterTab as Exclude<FilterTab, "all">]);
+  }, [autoRules, filterTab]);
+
+  // ===== 编辑/新建 =====
+
+  const openNewEditor = useCallback(() => {
+    setEditingRuleId(null);
+    setEditForm(createEmptyForm());
+    setShowEditor(true);
+  }, []);
+
+  const openEditEditor = useCallback((rule: FinanceAuto) => {
+    const rd = rule.repeat_date ?? "";
+    const exclude = rd.startsWith("!");
+    setEditingRuleId(rule.id);
+    setEditForm({
+      repeatType: rule.repeat_type,
+      repeatDate: exclude ? rd.slice(1) : rd,
+      excludeMode: exclude,
+      title: rule.title ?? "",
+      amount: String(Number(rule.amount) || ""),
+      remark: rule.remark ?? "",
+      categoryId: rule.category_id,
+    });
+    setShowEditor(true);
+  }, []);
+
+  const handleSave = useCallback(async () => {
+    if (!familyId || !userId) return;
+    if (!editForm.title.trim()) {
+      Alert.alert("提示", "请输入规则名称");
+      return;
+    }
+    const amount = parseFloat(editForm.amount);
+    if (isNaN(amount) || amount <= 0) {
+      Alert.alert("提示", "请输入有效金额");
+      return;
+    }
+    if (!editingRuleId && !editForm.categoryId) {
+      Alert.alert("提示", "请选择分类");
+      return;
+    }
+
+    startLoading("保存中...");
+    try {
+      const finalRepeatDate = editForm.excludeMode && editForm.repeatDate
+        ? `!${editForm.repeatDate}`
+        : editForm.repeatDate;
+
+      const base: Partial<FinanceAuto> = {
+        id: editingRuleId ?? undefined,
+        family_id: familyId,
+        title: editForm.title,
+        amount,
+        remark: editForm.remark,
+        repeat_type: editForm.repeatType,
+        repeat_date: finalRepeatDate,
+        create_by: userId,
+        update_by: userId,
+      };
+
+      if (!editingRuleId) {
+        const cat = categories.find((c) => c.id === editForm.categoryId);
+        base.type = cat?.type ?? FinanceType.Expense;
+        base.category_id = editForm.categoryId!;
+      }
+
+      const ok = await saveAutoRule(base);
+      if (ok) {
+        setShowEditor(false);
+        await fetchAutoRules(familyId);
+        stopLoading({ type: "success", message: editingRuleId ? "规则已更新" : "规则已创建" });
+      } else {
+        stopLoading({ type: "error", message: "保存失败" });
+      }
+    } catch { stopLoading({ type: "error", message: "保存失败" }); }
+  }, [familyId, userId, editForm, editingRuleId, categories, saveAutoRule, startLoading, stopLoading]);
+
+  const handleDelete = useCallback((rule: FinanceAuto) => {
+    Alert.alert("确认删除", `确定要删除「${formatRepeatDate(rule.repeat_type, rule.repeat_date ?? "")}」的规则吗？`, [
+      { text: "取消", style: "cancel" },
+      {
+        text: "删除", style: "destructive",
+        onPress: async () => {
+          startLoading("删除中...");
+          const ok = await saveAutoRule(rule, true);
+          if (ok) await fetchAutoRules(familyId);
+          stopLoading(ok ? { type: "success", message: "已删除" } : { type: "error", message: "删除失败" });
+        },
+      },
+    ]);
+  }, [saveAutoRule, startLoading, stopLoading]);
+
+  const getCategory = useCallback((id: number): FinanceCategory | undefined => {
+    return categories.find((c) => c.id === id);
+  }, [categories]);
+
+  const selectedCategory = useMemo(() => {
+    if (!editForm.categoryId) return null;
+    return categories.find((c) => c.id === editForm.categoryId) ?? null;
+  }, [editForm.categoryId, categories]);
+
+  const renderHeader = useCallback(() => (
+    <View>
+      <View className="pb-2">
+        <Text className="text-xl font-bold text-gray-900">自动记账规则</Text>
+        <Text className="text-xs text-gray-400 mt-0.5">管理周期性自动记账</Text>
+      </View>
+
+      <View className="flex-row gap-1.5">
+        {FILTER_TABS.map((tab) => {
+          const active = filterTab === tab.key;
+          return (
+            <TouchableOpacity key={tab.key}
+              className={`h-8 px-3 rounded-full items-center justify-center ${active ? "bg-accent" : "bg-gray-100"}`}
+              onPress={() => setFilterTab(tab.key)}
+            >
+              <Text className={`text-xs font-medium ${active ? "text-white" : "text-gray-600"}`}>{tab.label}</Text>
+            </TouchableOpacity>
+          );
+        })}
+      </View>
+    </View>
+  ), [filterTab, openNewEditor]);
+
+  const sections = useMemo(() => [{ title: "", expenseTotal: 0, incomeTotal: 0, data: filteredRules as any }], [filteredRules]);
+
+  const renderItem = useCallback(({ item: rule }: { item: FinanceAuto }) => {
+    const cat = getCategory(rule.category_id);
+    const isIncome = rule.type === FinanceType.Income;
+    const displayTitle = rule.title?.trim() || cat?.name || "未命名";
+    return (
+      <View className="flex-row items-center bg-white rounded-xl px-4 py-3.5 mb-3">
+        <View className="w-10 h-10 rounded-xl bg-gray-100 items-center justify-center">
+          <FinanceCategoryIcon fileKey={cat?.icon_file_key ?? ""} label={cat?.name ?? ""} size={28} />
+        </View>
+        <View className="ml-3 flex-1 flex-row items-center gap-2">
+          <Text className="text-[15px] font-medium text-gray-900" numberOfLines={1}>{displayTitle}</Text>
+          <View className="rounded-full bg-purple-50 px-2 py-0.5">
+            <Text className="text-[11px] font-medium text-purple-600">{REPEAT_LABELS[rule.repeat_type]}</Text>
+          </View>
+        </View>
+        <Text className={`text-[15px] font-semibold mr-3 ${isIncome ? "text-emerald-600" : "text-rose-500"}`}>
+          {isIncome ? "+" : "-"}{formatMoney(Number(rule.amount))}
+        </Text>
+        <TouchableOpacity className="w-8 h-8 rounded-full bg-gray-100 items-center justify-center mr-1" onPress={() => openEditEditor(rule)}>
+          <PencilIcon size={14} color="#4B5563" />
+        </TouchableOpacity>
+        <TouchableOpacity className="w-8 h-8 rounded-full bg-red-50 items-center justify-center" onPress={() => handleDelete(rule)}>
+          <Trash2Icon size={14} color="#EF4444" />
+        </TouchableOpacity>
+      </View>
+    );
+  }, [getCategory, openEditEditor, handleDelete]);
+
+  return (
+    <LayoutView>
+      <LayoutView.SectionView
+        sections={sections}
+        keyExtractor={(item: any) => String((item as FinanceAuto).id)}
+        renderItem={renderItem as any}
+        renderSectionHeader={() => null}
+        header={renderHeader()}
+        stickySectionHeadersEnabled={false}
+        refreshing={refreshing}
+        onRefresh={handleRefresh}
+        contentContainerStyle={{ paddingHorizontal: 16, paddingTop: 12, paddingBottom: 120 }}
+        ListEmptyComponent={() => (
+          <EmptyState
+            type={loading ? "loading" : "empty"}
+            title={loading ? "正在加载" : (filterTab === "all" ? "暂无自动记账规则" : `暂无${FILTER_TABS.find((t) => t.key === filterTab)?.label}规则`)}
+            description={loading ? "请稍候" : "点击右下角 + 添加一条规则"}
+            center="screen"
+          />
+        )}
+      />
+
+      {/* 悬浮新增按钮 */}
+      <TouchableOpacity
+        className="absolute bottom-20 right-5 w-14 h-14 rounded-full bg-accent items-center justify-center shadow-xl z-50 active:scale-95"
+        activeOpacity={0.85}
+        onPress={openNewEditor}
+      >
+        <PlusIcon size={24} color="#fff" />
+      </TouchableOpacity>
+
+      {/* ===== 编辑/新建 BottomSheet ===== */}
+      <BottomSheet isOpen={showEditor} onOpenChange={setShowEditor}>
+        <BottomSheet.Portal><BottomSheet.Overlay />
+          <BottomSheet.Content style={{ paddingHorizontal: 16, maxHeight: 600 }}>
+            <Text className="text-center text-lg font-semibold text-gray-950 mb-3">
+              {editingRuleId ? "编辑规则" : "新增规则"}
+            </Text>
+
+            <ScrollView showsVerticalScrollIndicator={false} style={{ maxHeight: 480 }}
+              contentContainerStyle={{ gap: 14, paddingBottom: 4 }}
+            >
+              {/* 标题 */}
+              <TextField>
+                <Label className="mb-2">规则名称</Label>
+                <BottomSheet.Input
+                  value={editForm.title}
+                  onChangeText={(v) => setEditForm((p) => ({ ...p, title: v }))}
+                  placeholder="如：每月房租"
+                />
+              </TextField>
+
+              {/* 分类（仅新建时可选） */}
+              {!editingRuleId && (
+                <View>
+                  <Label className="mb-2">选择分类</Label>
+                  <TouchableOpacity
+                    className="h-12 rounded-xl bg-gray-50 px-3 flex-row items-center"
+                    activeOpacity={0.75}
+                    onPress={() => setShowCategoryPicker(true)}
+                  >
+                    {selectedCategory ? (
+                      <View className="flex-row items-center gap-2">
+                        <FinanceCategoryIcon fileKey={selectedCategory.icon_file_key} label={selectedCategory.name} size={20} />
+                        <Text className="text-sm text-gray-900">{selectedCategory.name}</Text>
+                      </View>
+                    ) : (
+                      <Text className="text-sm text-gray-400">请选择分类</Text>
+                    )}
+                  </TouchableOpacity>
+                </View>
+              )}
+
+              {/* 金额 */}
+              <TextField>
+                <Label className="mb-2">金额</Label>
+                <BottomSheet.Input
+                  value={editForm.amount}
+                  onChangeText={(v) => setEditForm((p) => ({ ...p, amount: v.replace(/[^0-9.]/g, "") }))}
+                  placeholder="0.00"
+                  keyboardType="decimal-pad"
+                />
+              </TextField>
+
+              {/* 备注 */}
+              <TextField>
+                <Label className="mb-2">备注（选填）</Label>
+                <BottomSheet.Input
+                  value={editForm.remark}
+                  onChangeText={(v) => setEditForm((p) => ({ ...p, remark: v }))}
+                  placeholder="如：房租、工资"
+                />
+              </TextField>
+
+              {/* 频率 */}
+              <View>
+                <Label className="mb-2">重复频率</Label>
+                <View className="flex-row flex-wrap gap-2">
+                  {Object.entries(REPEAT_LABELS).map(([k, v]) => {
+                    const sel = editForm.repeatType === Number(k);
+                    return (
+                      <TouchableOpacity key={k}
+                        className={`rounded-full border px-3 py-2 ${sel ? "bg-accent border-accent" : "bg-white border-gray-200"}`}
+                        onPress={() => setEditForm((p) => ({ ...p, repeatType: Number(k), repeatDate: "" }))}
+                      >
+                        <Text className={`text-sm font-medium ${sel ? "text-white" : "text-gray-700"}`}>{v}</Text>
+                      </TouchableOpacity>
+                    );
+                  })}
+                </View>
+              </View>
+
+              {/* 排除/指定 */}
+              <View>
+                <Label className="mb-2">触发规则</Label>
+                <View className="flex-row bg-gray-100 rounded-lg p-0.5">
+                  <TouchableOpacity
+                    className={`flex-1 py-2 rounded-md items-center ${!editForm.excludeMode ? "bg-white shadow-sm" : ""}`}
+                    onPress={() => setEditForm((p) => ({ ...p, excludeMode: false }))}
+                  >
+                    <Text className={`text-sm font-medium ${!editForm.excludeMode ? "text-gray-900" : "text-gray-500"}`}>指定</Text>
+                  </TouchableOpacity>
+                  <TouchableOpacity
+                    className={`flex-1 py-2 rounded-md items-center ${editForm.excludeMode ? "bg-white shadow-sm" : ""}`}
+                    onPress={() => setEditForm((p) => ({ ...p, excludeMode: true }))}
+                  >
+                    <Text className={`text-sm font-medium ${editForm.excludeMode ? "text-gray-900" : "text-gray-500"}`}>排除</Text>
+                  </TouchableOpacity>
+                </View>
+              </View>
+
+              {/* 每天 */}
+              {editForm.repeatType === FinanceAutoRepeatType.Daily && (
+                <View>
+                  <Label className="mb-2">{editForm.excludeMode ? "选择要排除的星期" : "每天执行"}</Label>
+                  {editForm.excludeMode && (
+                    <View className="flex-row gap-1.5">
+                      {WEEK_DAYS.map((d) => {
+                        const sel = (editForm.repeatDate || "").split(",").includes(String(d.value));
+                        return (
+                          <TouchableOpacity key={d.value}
+                            className={`w-9 h-9 rounded-full items-center justify-center ${sel ? "bg-accent" : "bg-gray-100"}`}
+                            onPress={() => {
+                              const arr = (editForm.repeatDate || "").split(",").filter(Boolean);
+                              const idx = arr.indexOf(String(d.value));
+                              if (idx >= 0) arr.splice(idx, 1); else arr.push(String(d.value));
+                              setEditForm((p) => ({ ...p, repeatDate: arr.sort((a, b) => Number(a) - Number(b)).join(",") }));
+                            }}
+                          >
+                            <Text className={`text-sm font-medium ${sel ? "text-white" : "text-gray-600"}`}>{d.label}</Text>
+                          </TouchableOpacity>
+                        );
+                      })}
+                    </View>
+                  )}
+                </View>
+              )}
+
+              {/* 每周 */}
+              {editForm.repeatType === FinanceAutoRepeatType.Weekly && (
+                <View>
+                  <Label className="mb-2">{editForm.excludeMode ? "选择要排除的星期" : "选择要执行的星期"}</Label>
+                  <View className="flex-row gap-1.5">
+                    {WEEK_DAYS.map((d) => {
+                      const sel = (editForm.repeatDate || "").split(",").includes(String(d.value));
+                      return (
+                        <TouchableOpacity key={d.value}
+                          className={`w-9 h-9 rounded-full items-center justify-center ${sel ? "bg-accent" : "bg-gray-100"}`}
+                          onPress={() => {
+                            const arr = (editForm.repeatDate || "").split(",").filter(Boolean);
+                            const idx = arr.indexOf(String(d.value));
+                            if (idx >= 0) arr.splice(idx, 1); else arr.push(String(d.value));
+                            setEditForm((p) => ({ ...p, repeatDate: arr.sort((a, b) => Number(a) - Number(b)).join(",") }));
+                          }}
+                        >
+                          <Text className={`text-sm font-medium ${sel ? "text-white" : "text-gray-600"}`}>{d.label}</Text>
+                        </TouchableOpacity>
+                      );
+                    })}
+                  </View>
+                </View>
+              )}
+
+              {/* 每月 */}
+              {editForm.repeatType === FinanceAutoRepeatType.Monthly && (
+                <View>
+                  <Label className="mb-2">{editForm.excludeMode ? "选择要排除的日期" : "选择要执行的日期"}</Label>
+                  <View className="flex-row flex-wrap gap-1.5">
+                    {Array.from({ length: 31 }, (_, i) => i + 1).map((d) => {
+                      const sel = (editForm.repeatDate || "").split(",").includes(String(d));
+                      return (
+                        <TouchableOpacity key={d}
+                          className={`w-9 h-9 rounded-full items-center justify-center ${sel ? "bg-accent" : "bg-gray-100"}`}
+                          onPress={() => {
+                            const arr = (editForm.repeatDate || "").split(",").filter(Boolean);
+                            const idx = arr.indexOf(String(d));
+                            if (idx >= 0) arr.splice(idx, 1); else arr.push(String(d));
+                            setEditForm((p) => ({ ...p, repeatDate: arr.sort((a, b) => Number(a) - Number(b)).join(",") }));
+                          }}
+                        >
+                          <Text className={`text-xs font-medium ${sel ? "text-white" : "text-gray-600"}`}>{d}</Text>
+                        </TouchableOpacity>
+                      );
+                    })}
+                  </View>
+                </View>
+              )}
+            </ScrollView>
+
+            <View className="flex-row gap-3 pt-3">
+              <Button variant="secondary" className="flex-1" onPress={() => setShowEditor(false)}>
+                <Button.Label>取消</Button.Label>
+              </Button>
+              <Button className="flex-1" onPress={handleSave}>
+                <CheckIcon size={18} color="#fff" />
+                <Button.Label>保存</Button.Label>
+              </Button>
+            </View>
+          </BottomSheet.Content>
+        </BottomSheet.Portal>
+      </BottomSheet>
+
+      {/* ===== 分类选择 ===== */}
+      <BottomSheet isOpen={showCategoryPicker} onOpenChange={setShowCategoryPicker}>
+        <BottomSheet.Portal><BottomSheet.Overlay />
+          <BottomSheet.Content className="gap-4" style={{ paddingHorizontal: 16 }}>
+            <Text className="text-center text-lg font-semibold text-gray-950">选择分类</Text>
+            <ScrollView style={{ maxHeight: 300 }}>
+              <Text className="text-xs text-gray-400 mb-2">支出</Text>
+              <View className="flex-row flex-wrap gap-2 mb-3">
+                {categories.filter((c) => c.type === FinanceType.Expense).map((cat) => {
+                  const sel = editForm.categoryId === cat.id;
+                  return (
+                    <TouchableOpacity key={cat.id}
+                      className={`h-10 px-3 rounded-full flex-row items-center gap-1.5 border ${sel ? "bg-accent/10 border-accent" : "bg-white border-gray-200"}`}
+                      onPress={() => { setEditForm((p) => ({ ...p, categoryId: cat.id })); setShowCategoryPicker(false); }}
+                    >
+                      <FinanceCategoryIcon fileKey={cat.icon_file_key} label={cat.name} size={16} />
+                      <Text className={`text-sm ${sel ? "text-accent font-semibold" : "text-gray-700"}`}>{cat.name}</Text>
+                    </TouchableOpacity>
+                  );
+                })}
+              </View>
+              <Text className="text-xs text-gray-400 mb-2">收入</Text>
+              <View className="flex-row flex-wrap gap-2">
+                {categories.filter((c) => c.type === FinanceType.Income).map((cat) => {
+                  const sel = editForm.categoryId === cat.id;
+                  return (
+                    <TouchableOpacity key={cat.id}
+                      className={`h-10 px-3 rounded-full flex-row items-center gap-1.5 border ${sel ? "bg-accent/10 border-accent" : "bg-white border-gray-200"}`}
+                      onPress={() => { setEditForm((p) => ({ ...p, categoryId: cat.id })); setShowCategoryPicker(false); }}
+                    >
+                      <FinanceCategoryIcon fileKey={cat.icon_file_key} label={cat.name} size={16} />
+                      <Text className={`text-sm ${sel ? "text-accent font-semibold" : "text-gray-700"}`}>{cat.name}</Text>
+                    </TouchableOpacity>
+                  );
+                })}
+              </View>
+            </ScrollView>
+            <Button variant="secondary" className="w-full" onPress={() => setShowCategoryPicker(false)}>
+              <Button.Label>取消</Button.Label>
+            </Button>
+          </BottomSheet.Content>
+        </BottomSheet.Portal>
+      </BottomSheet>
+
+      <LoadingOverlay visible={isLoading} />
+    </LayoutView>
+  );
+}
diff --git a/code/app/app-rn/src/app/finance/(tabs)/home/index.tsx b/code/app/app-rn/src/app/finance/(tabs)/home/index.tsx
index 4caf4e20..9b84f72e 100644
--- a/code/app/app-rn/src/app/finance/(tabs)/home/index.tsx
+++ b/code/app/app-rn/src/app/finance/(tabs)/home/index.tsx
@@ -1,5 +1,5 @@
 import { useCallback, useEffect, useMemo, useRef, useState } from "react";
-import { Dimensions, Image, Modal, Pressable, ScrollView, Text, TouchableOpacity, View } from "react-native";
+import { Alert, Dimensions, Image, Modal, Pressable, ScrollView, Text, TouchableOpacity, View } from "react-native";
 import { Button, Label, TextField } from "heroui-native";
 import BottomSheet from "@/components/BottomSheet";
 import { router, useFocusEffect } from "expo-router";
@@ -9,6 +9,7 @@ import {
   FileTextIcon,
   FilterIcon,
   PencilIcon,
+  PlusIcon,
   RepeatIcon,
   RotateCcwIcon,
   Trash2Icon,
@@ -73,9 +74,13 @@ export default function Home() {
   const fetchAutoRules = useFinanceStore((s) => s.fetchAutoRules);
   const runAutoRules = useFinanceStore((s) => s.runAutoRules);
   const saveAutoRule = useFinanceStore((s) => s.saveAutoRule);
+  const isAutoBill = useFinanceStore((s) => s.isAutoBill);
+  const loadAutoBillIds = useFinanceStore((s) => s.loadAutoBillIds);
   const autoRunRef = useRef(false);
   const [showAutoSheet, setShowAutoSheet] = useState(false);
-  const [autoForm, setAutoForm] = useState({ repeatType: FinanceAutoRepeatType.Daily, repeatDate: "" });
+  const [autoForm, setAutoForm] = useState({ repeatType: FinanceAutoRepeatType.Daily, repeatDate: "", title: "" });
+  const [autoBaseBill, setAutoBaseBill] = useState<FinanceBill | null>(null);
+  const [autoExcludeMode, setAutoExcludeMode] = useState(false);
 
   const [filter, setFilter] = useState<FilterState>(() => createDefaultFilter());
   const [draftFilter, setDraftFilter] = useState<FilterState>(() => createDefaultFilter());
@@ -203,9 +208,15 @@ export default function Home() {
     if (categories.length === 0) {
       loadCategories(familyId);
     }
+    loadAutoBillIds();
     runInitial(() => loadBills(filter));
   }, [familyId]);
 
+  // 关闭自动记账面板时清理基准账单
+  useEffect(() => {
+    if (!showAutoSheet) setAutoBaseBill(null);
+  }, [showAutoSheet]);
+
   useFocusEffect(
     useCallback(() => {
       if (!familyId) return;
@@ -261,23 +272,33 @@ export default function Home() {
 
   const openAutoSheet = useCallback(() => {
     if (!activeBill) return;
+    setAutoBaseBill(activeBill); // 先保存账单引用，再关闭菜单
     closeActionMenu();
-    setAutoForm({ repeatType: FinanceAutoRepeatType.Daily, repeatDate: "" });
+    setAutoForm({ repeatType: FinanceAutoRepeatType.Daily, repeatDate: "", title: activeBill?.category_name ?? "" });
+    setAutoExcludeMode(false);
     setShowAutoSheet(true);
   }, [activeBill, closeActionMenu]);
 
   const handleSaveAuto = useCallback(async () => {
-    if (!familyId || !activeBill || !userId) return;
+    if (!familyId || !autoBaseBill || !userId) return;
+    if (!autoForm.title.trim()) {
+      Alert.alert("提示", "请输入规则名称");
+      return;
+    }
     startLoading("保存中...");
     try {
+      const finalRepeatDate = autoExcludeMode && autoForm.repeatDate
+        ? `!${autoForm.repeatDate}`
+        : autoForm.repeatDate;
       const ok = await saveAutoRule({
         family_id: familyId,
-        type: activeBill.category_type,
-        category_id: activeBill.category_id,
-        amount: activeBill.amount,
-        remark: activeBill.remark ?? "",
+        type: autoBaseBill.category_type,
+        category_id: autoBaseBill.category_id,
+        amount: autoBaseBill.amount,
+        title: autoForm.title,
+        remark: autoBaseBill.remark ?? "",
         repeat_type: autoForm.repeatType,
-        repeat_date: autoForm.repeatDate,
+        repeat_date: finalRepeatDate,
         create_by: userId,
       });
       if (ok) {
@@ -287,7 +308,7 @@ export default function Home() {
         stopLoading({ type: "error", message: "保存失败" });
       }
     } catch { stopLoading({ type: "error", message: "保存失败" }); }
-  }, [familyId, activeBill, userId, autoForm, saveAutoRule, startLoading, stopLoading]);
+  }, [familyId, autoBaseBill, userId, autoForm, autoExcludeMode, saveAutoRule, startLoading, stopLoading]);
 
   const handleDeleteBill = useCallback(async () => {
     if (!activeBill || isLoading) return;
@@ -370,7 +391,7 @@ export default function Home() {
           <View className="flex-1 rounded-xl bg-white px-4 py-3">
             <Text className="text-xs text-gray-500">支出</Text>
             <Text className="mt-1 text-lg font-semibold text-rose-500">
-              {formatMoney(totals.expense)}
+              -{formatMoney(totals.expense)}
             </Text>
           </View>
           <View className="flex-1 rounded-xl bg-white px-4 py-3">
@@ -382,7 +403,7 @@ export default function Home() {
           <View className="flex-1 rounded-xl bg-white px-4 py-3">
             <Text className="text-xs text-gray-500">结余</Text>
             <Text className={`mt-1 text-lg font-semibold ${totals.income - totals.expense >= 0 ? "text-emerald-600" : "text-rose-500"}`}>
-              {formatMoney(totals.income - totals.expense)}
+              {totals.income - totals.expense >= 0 ? "+" : "-"}{formatMoney(totals.income - totals.expense)}
             </Text>
           </View>
         </View>
@@ -452,9 +473,16 @@ export default function Home() {
           </View>
 
           <View className="ml-3 flex-1">
-            <Text className="text-sm font-medium text-gray-900" numberOfLines={1}>
-              {item.category_name || "未分类"}
-            </Text>
+            <View className="flex-row items-center gap-1.5">
+              <Text className="text-sm font-medium text-gray-900" numberOfLines={1}>
+                {item.category_name || "未分类"}
+              </Text>
+              {isAutoBill(item.id) && (
+                <View className="rounded-full bg-purple-100 px-1.5 py-0.5">
+                  <Text className="text-[10px] font-medium text-purple-600">自动</Text>
+                </View>
+              )}
+            </View>
             {!!remark && (
               <Text className="mt-0.5 text-xs text-gray-500" numberOfLines={1}>
                 {remark}
@@ -464,7 +492,7 @@ export default function Home() {
 
           <View className="items-end ml-3">
             <Text
-              className={`text-base font-semibold ${isIncome ? "text-emerald-600" : "text-gray-900"}`}
+              className={`text-base font-semibold ${isIncome ? "text-emerald-600" : "text-rose-500"}`}
             >
               {isIncome ? "+" : "-"}{formatMoney(Number(item.amount))}
             </Text>
@@ -472,7 +500,7 @@ export default function Home() {
         </TouchableOpacity>
       );
     },
-    [userId],
+    [userId, isAutoBill],
   );
 
 
@@ -489,7 +517,7 @@ export default function Home() {
         refreshing={refreshing}
         onRefresh={handleRefresh}
         contentContainerStyle={[
-          { paddingHorizontal: 16 },
+          { paddingHorizontal: 16, paddingBottom: 120 },
           sections.length === 0 ? { flexGrow: 1 } : undefined,
         ]}
         ListEmptyComponent={() => (
@@ -502,6 +530,15 @@ export default function Home() {
         )}
       />
 
+      {/* 添加记账 FAB */}
+      <TouchableOpacity
+        className="absolute bottom-20 right-5 w-14 h-14 rounded-full bg-accent items-center justify-center shadow-xl z-50 active:scale-95"
+        activeOpacity={0.85}
+        onPress={() => router.push("/finance/add" as any)}
+      >
+        <PlusIcon size={24} color="#fff" />
+      </TouchableOpacity>
+
       <BottomSheet isOpen={showFilterSheet} onOpenChange={setShowFilterSheet}>
         <BottomSheet.Portal>
           <BottomSheet.Overlay />
@@ -732,97 +769,177 @@ export default function Home() {
       {/* 自动记账 Sheet */}
       <BottomSheet isOpen={showAutoSheet} onOpenChange={setShowAutoSheet}>
         <BottomSheet.Portal><BottomSheet.Overlay />
-          <BottomSheet.Content className="gap-4" style={{ paddingHorizontal: 16, maxHeight: 460 }}>
-            <Text className="text-center text-lg font-semibold text-gray-950">自动记账</Text>
-            <Text className="text-xs text-gray-500 text-center -mt-3">
-              基于「{activeBill?.category_name} {Number(activeBill?.amount || 0)}」创建规则
-            </Text>
+          <BottomSheet.Content style={{ paddingHorizontal: 16, maxHeight: 560 }}>
+            <Text className="text-center text-lg font-semibold text-gray-950 mb-3">自动记账</Text>
 
-            {/* 频率 */}
-            <View>
-              <Label className="mb-2">重复频率</Label>
-              <View className="flex-row flex-wrap gap-2">
-                {Object.entries(REPEAT_LABELS).map(([k, v]) => {
-                  const sel = autoForm.repeatType === Number(k);
-                  return (
-                    <TouchableOpacity key={k}
-                      className={`rounded-full border px-3 py-2 ${sel ? "bg-accent border-accent" : "bg-white border-gray-200"}`}
-                      onPress={() => setAutoForm({ repeatType: Number(k), repeatDate: "" })}
+            <ScrollView
+              showsVerticalScrollIndicator={false}
+              style={{ maxHeight: 440 }}
+              contentContainerStyle={{ gap: 14, paddingBottom: 4 }}
+            >
+              {/* 规则名称 */}
+              <TextField>
+                <Label className="mb-2">规则名称</Label>
+                <BottomSheet.Input
+                  value={autoForm.title}
+                  onChangeText={(v) => setAutoForm((p) => ({ ...p, title: v }))}
+                  placeholder="如：每月房租"
+                />
+              </TextField>
+
+              {/* 账单预览卡片 */}
+              {autoBaseBill && (
+                <View className="flex-row items-center rounded-xl bg-white">
+                  <View className="w-11 h-11 rounded-xl bg-gray-200 items-center justify-center">
+                    <FinanceCategoryIcon
+                      fileKey={autoBaseBill.category_icon_file_key}
+                      label={autoBaseBill.category_name}
+                      size={30}
+                    />
+                  </View>
+                  <View className="ml-3 flex-1">
+                    <Text className="text-sm font-medium text-gray-900" numberOfLines={1}>
+                      {autoBaseBill.category_name || "未分类"}
+                    </Text>
+                    {!!autoBaseBill.remark?.trim() && (
+                      <Text className="mt-0.5 text-xs text-gray-500" numberOfLines={1}>
+                        {autoBaseBill.remark.trim()}
+                      </Text>
+                    )}
+                  </View>
+                  <View className="items-end ml-3">
+                    <Text
+                      className={`text-base font-semibold ${autoBaseBill.category_type === FinanceType.Income ? "text-emerald-600" : "text-rose-500"}`}
                     >
-                      <Text className={`text-sm font-medium ${sel ? "text-white" : "text-gray-700"}`}>{v}</Text>
-                    </TouchableOpacity>
-                  );
-                })}
-              </View>
-            </View>
+                      {autoBaseBill.category_type === FinanceType.Income ? "+" : "-"}
+                      {formatMoney(Number(autoBaseBill.amount))}
+                    </Text>
+                  </View>
+                </View>
+              )}
 
-            {/* 每周：选周几 */}
-            {autoForm.repeatType === FinanceAutoRepeatType.Weekly && (
+              {/* 频率 */}
               <View>
-                <Label className="mb-2">选择星期</Label>
-                <View className="flex-row gap-1.5">
-                  {WEEK_DAYS.map((d) => {
-                    const sel = (autoForm.repeatDate || "").split(",").includes(String(d.value));
+                <Label className="mb-2">重复频率</Label>
+                <View className="flex-row flex-wrap gap-2">
+                  {Object.entries(REPEAT_LABELS).map(([k, v]) => {
+                    const sel = autoForm.repeatType === Number(k);
                     return (
-                      <TouchableOpacity key={d.value}
-                        className={`w-9 h-9 rounded-full items-center justify-center ${sel ? "bg-accent" : "bg-gray-100"}`}
-                        onPress={() => {
-                          const arr = (autoForm.repeatDate || "").split(",").filter(Boolean);
-                          const idx = arr.indexOf(String(d.value));
-                          if (idx >= 0) arr.splice(idx, 1); else arr.push(String(d.value));
-                          setAutoForm((p) => ({ ...p, repeatDate: arr.sort().join(",") }));
-                        }}
+                      <TouchableOpacity key={k}
+                        className={`rounded-full border px-3 py-2 ${sel ? "bg-accent border-accent" : "bg-white border-gray-200"}`}
+                        onPress={() => { setAutoForm({ repeatType: Number(k), repeatDate: "" }); setAutoExcludeMode(false); }}
                       >
-                        <Text className={`text-sm font-medium ${sel ? "text-white" : "text-gray-600"}`}>{d.label}</Text>
+                        <Text className={`text-sm font-medium ${sel ? "text-white" : "text-gray-700"}`}>{v}</Text>
                       </TouchableOpacity>
                     );
                   })}
                 </View>
               </View>
-            )}
 
-            {/* 每月/每季度：选日期 */}
-            {(autoForm.repeatType === FinanceAutoRepeatType.Monthly || autoForm.repeatType === FinanceAutoRepeatType.Quarterly) && (
+              {/* 排除/指定模式切换 */}
               <View>
-                <Label className="mb-2">选择日期</Label>
-                <View className="flex-row flex-wrap gap-1.5">
-                  {[1,5,10,15,20,25,28].map((d) => {
-                    const sel = (autoForm.repeatDate || "").split(",").includes(String(d));
-                    return (
-                      <TouchableOpacity key={d}
-                        className={`w-10 h-9 rounded-full items-center justify-center ${sel ? "bg-accent" : "bg-gray-100"}`}
-                        onPress={() => setAutoForm((p) => ({ ...p, repeatDate: String(d) }))}
-                      >
-                        <Text className={`text-xs font-medium ${sel ? "text-white" : "text-gray-600"}`}>{d}</Text>
-                      </TouchableOpacity>
-                    );
-                  })}
+                <Label className="mb-2">触发规则</Label>
+                <View className="flex-row bg-gray-100 rounded-lg p-0.5">
+                  <TouchableOpacity
+                    className={`flex-1 py-2 rounded-md items-center ${!autoExcludeMode ? "bg-white shadow-sm" : ""}`}
+                    onPress={() => setAutoExcludeMode(false)}
+                  >
+                    <Text className={`text-sm font-medium ${!autoExcludeMode ? "text-gray-900" : "text-gray-500"}`}>指定</Text>
+                  </TouchableOpacity>
+                  <TouchableOpacity
+                    className={`flex-1 py-2 rounded-md items-center ${autoExcludeMode ? "bg-white shadow-sm" : ""}`}
+                    onPress={() => setAutoExcludeMode(true)}
+                  >
+                    <Text className={`text-sm font-medium ${autoExcludeMode ? "text-gray-900" : "text-gray-500"}`}>排除</Text>
+                  </TouchableOpacity>
                 </View>
               </View>
-            )}
 
-            {/* 每年：选月日 */}
-            {autoForm.repeatType === FinanceAutoRepeatType.Yearly && (
-              <View>
-                <Label className="mb-2">选择月日</Label>
-                <View className="flex-row flex-wrap gap-1.5">
-                  {["1,1","3,1","6,1","9,1","12,1","1,15","3,15","6,15","9,15","12,15"].map((md) => {
-                    const [m, d] = md.split(",");
-                    const sel = autoForm.repeatDate === md;
-                    return (
-                      <TouchableOpacity key={md}
-                        className={`rounded-full px-3 py-2 ${sel ? "bg-accent" : "bg-gray-100"}`}
-                        onPress={() => setAutoForm((p) => ({ ...p, repeatDate: md }))}
-                      >
-                        <Text className={`text-xs font-medium ${sel ? "text-white" : "text-gray-600"}`}>{m}月{d}日</Text>
-                      </TouchableOpacity>
-                    );
-                  })}
+              {/* 每天：排除星期几 */}
+              {autoForm.repeatType === FinanceAutoRepeatType.Daily && (
+                <View>
+                  <Label className="mb-2">
+                    {autoExcludeMode ? "选择要排除的星期" : "每天执行"}
+                  </Label>
+                  {autoExcludeMode && (
+                    <View className="flex-row gap-1.5">
+                      {WEEK_DAYS.map((d) => {
+                        const sel = (autoForm.repeatDate || "").split(",").includes(String(d.value));
+                        return (
+                          <TouchableOpacity key={d.value}
+                            className={`w-9 h-9 rounded-full items-center justify-center ${sel ? "bg-accent" : "bg-gray-100"}`}
+                            onPress={() => {
+                              const arr = (autoForm.repeatDate || "").split(",").filter(Boolean);
+                              const idx = arr.indexOf(String(d.value));
+                              if (idx >= 0) arr.splice(idx, 1); else arr.push(String(d.value));
+                              setAutoForm((p) => ({ ...p, repeatDate: arr.sort((a, b) => Number(a) - Number(b)).join(",") }));
+                            }}
+                          >
+                            <Text className={`text-sm font-medium ${sel ? "text-white" : "text-gray-600"}`}>{d.label}</Text>
+                          </TouchableOpacity>
+                        );
+                      })}
+                    </View>
+                  )}
                 </View>
-              </View>
-            )}
+              )}
 
-            <View className="flex-row gap-3">
+              {/* 每周：选周几 */}
+              {autoForm.repeatType === FinanceAutoRepeatType.Weekly && (
+                <View>
+                  <Label className="mb-2">
+                    {autoExcludeMode ? "选择要排除的星期" : "选择要执行的星期"}
+                  </Label>
+                  <View className="flex-row gap-1.5">
+                    {WEEK_DAYS.map((d) => {
+                      const sel = (autoForm.repeatDate || "").split(",").includes(String(d.value));
+                      return (
+                        <TouchableOpacity key={d.value}
+                          className={`w-9 h-9 rounded-full items-center justify-center ${sel ? "bg-accent" : "bg-gray-100"}`}
+                          onPress={() => {
+                            const arr = (autoForm.repeatDate || "").split(",").filter(Boolean);
+                            const idx = arr.indexOf(String(d.value));
+                            if (idx >= 0) arr.splice(idx, 1); else arr.push(String(d.value));
+                            setAutoForm((p) => ({ ...p, repeatDate: arr.sort((a, b) => Number(a) - Number(b)).join(",") }));
+                          }}
+                        >
+                          <Text className={`text-sm font-medium ${sel ? "text-white" : "text-gray-600"}`}>{d.label}</Text>
+                        </TouchableOpacity>
+                      );
+                    })}
+                  </View>
+                </View>
+              )}
+
+              {/* 每月：选日期 */}
+              {autoForm.repeatType === FinanceAutoRepeatType.Monthly && (
+                <View>
+                  <Label className="mb-2">
+                    {autoExcludeMode ? "选择要排除的日期" : "选择要执行的日期"}
+                  </Label>
+                  <View className="flex-row flex-wrap gap-1.5">
+                    {Array.from({ length: 31 }, (_, i) => i + 1).map((d) => {
+                      const sel = (autoForm.repeatDate || "").split(",").includes(String(d));
+                      return (
+                        <TouchableOpacity key={d}
+                          className={`w-9 h-9 rounded-full items-center justify-center ${sel ? "bg-accent" : "bg-gray-100"}`}
+                          onPress={() => {
+                            const arr = (autoForm.repeatDate || "").split(",").filter(Boolean);
+                            const idx = arr.indexOf(String(d));
+                            if (idx >= 0) arr.splice(idx, 1); else arr.push(String(d));
+                            setAutoForm((p) => ({ ...p, repeatDate: arr.sort((a, b) => Number(a) - Number(b)).join(",") }));
+                          }}
+                        >
+                          <Text className={`text-xs font-medium ${sel ? "text-white" : "text-gray-600"}`}>{d}</Text>
+                        </TouchableOpacity>
+                      );
+                    })}
+                  </View>
+                </View>
+              )}
+            </ScrollView>
+
+            <View className="flex-row gap-3 pt-3">
               <Button variant="secondary" className="flex-1" onPress={() => setShowAutoSheet(false)}><Button.Label>取消</Button.Label></Button>
               <Button className="flex-1" onPress={handleSaveAuto}><CheckIcon size={18} color="#fff" /><Button.Label>保存</Button.Label></Button>
             </View>
diff --git a/code/app/app-rn/src/app/meal/plan/detail/[id]/index.tsx b/code/app/app-rn/src/app/meal/plan/detail/[id]/index.tsx
index 5f496c4f..cf44e1e4 100644
--- a/code/app/app-rn/src/app/meal/plan/detail/[id]/index.tsx
+++ b/code/app/app-rn/src/app/meal/plan/detail/[id]/index.tsx
@@ -18,6 +18,7 @@ import { getUniqueIdApi, loadDataApi, loadDataPageApi } from "@/request/api";
 import { useFamilyStore, useMealStore, useUserStore } from "@/store";
 import { MealPlanLogType, MealPlanStatus } from "@/types/meal";
 import { buildFileUrl } from "@/utils/file";
+import { formatDisplayTime } from "@/utils/time";
 
 // ============================================================
 // 类型定义
@@ -45,19 +46,6 @@ interface TimelineEntry {
 // 时间格式化
 // ============================================================
 
-function timeAgo(t: string) {
-  const d = dayjs(t);
-  const diff = dayjs().diff(d, "second");
-  if (diff < 60) return "刚刚";
-  if (diff < 3600) return `${Math.floor(diff / 60)}分钟前`;
-  if (diff < 86400) return `${Math.floor(diff / 3600)}小时前`;
-  return `${Math.floor(diff / 86400)}天前`;
-}
-
-function formatTime(t: string) {
-  return dayjs(t).format("HH:mm");
-}
-
 function formatPlanDate(d: string) {
   const date = dayjs(d);
   const today = dayjs().format("YYYY-MM-DD");
@@ -783,17 +771,14 @@ export default function MealPlanDetail() {
                           {entry.nickName}
                         </Text>
                         <Text className="text-[10px] text-gray-400">
-                          {timeAgo(entry.createTime)}
-                        </Text>
-                        <Text className="text-[10px] text-gray-300">
-                          {formatTime(entry.createTime)}
+                          {formatDisplayTime(entry.createTime)}
                         </Text>
                       </View>
 
                       {/* 操作内容 */}
                       {entry.type === MealPlanLogType.Remark ? (
                         // 评论：气泡样式
-                        <View className="bg-gray-50 rounded-2xl rounded-tl-sm px-4 py-3">
+                        <View className="bg-gray-50 rounded-2xl rounded-tl-sm">
                           <Text className="text-sm text-gray-700 leading-relaxed">
                             {entry.content}
                           </Text>
diff --git a/code/app/app-rn/src/helpers/financeAuto.ts b/code/app/app-rn/src/helpers/financeAuto.ts
index 4e3d80d5..4b3ec707 100644
--- a/code/app/app-rn/src/helpers/financeAuto.ts
+++ b/code/app/app-rn/src/helpers/financeAuto.ts
@@ -1,56 +1,81 @@
 import dayjs from "dayjs";
 import { FinanceAutoRepeatType } from "@/types/finance";
 
-// 判断今天是否应该执行
+/** repeat_date 以 ! 开头表示"排除模式"：指定的日期/星期几不执行 */
+function isExcludeMode(repeatDate: string): boolean {
+  return repeatDate.startsWith("!");
+}
+
+/** 去掉排除前缀，返回干净的日期字符串 */
+function cleanRepeatDate(repeatDate: string): string {
+  return isExcludeMode(repeatDate) ? repeatDate.slice(1) : repeatDate;
+}
+
+/**
+ * 粗粒度判断：从上次执行至今，是否"可能"有遗漏的触发日期
+ * 只做时间周期级别的判断，不做具体日期匹配（日期匹配交给 shouldRunOnDate / getMissedDates）
+ */
 export function shouldRun(repeatType: number, repeatDate: string, lastRun: string | null | undefined): boolean {
   const today = dayjs();
-  if (!lastRun) return true; // 从未执行过
+  if (!lastRun) return true; // 从未执行过，需要尝试
 
   const last = dayjs(lastRun);
 
+  // 排除模式下每天都是潜在触发日，简单判断 lastRun 不是今天即可
+  if (isExcludeMode(repeatDate)) {
+    return !last.isSame(today, "day");
+  }
+
   switch (repeatType) {
     case FinanceAutoRepeatType.Daily:
       return !last.isSame(today, "day");
 
     case FinanceAutoRepeatType.Weekly: {
-      // repeatDate = "1,3,5" → 周一三五
-      const days = (repeatDate || "").split(",").map(Number);
-      if (days.length === 0 || !days.includes(today.day())) return false;
-      return true; // 今天在指定周几中，且上次执行不是今天（由外层 last_run 检查保证）
+      const days = (repeatDate || "").split(",").map(Number).filter((d) => !isNaN(d));
+      if (days.length === 0) return false;
+      let check = today;
+      for (let i = 0; i < 7; i++) {
+        if (days.includes(check.day())) {
+          return check.isAfter(last, "day");
+        }
+        check = check.subtract(1, "day");
+      }
+      return false;
     }
 
-    case FinanceAutoRepeatType.Monthly: {
-      const dates = (repeatDate || "").split(",").map(Number);
-      if (dates.length === 0 || !dates.includes(today.date())) return false;
+    case FinanceAutoRepeatType.Monthly:
       return !last.isSame(today, "month");
-    }
 
-    case FinanceAutoRepeatType.Quarterly: {
-      const dates = (repeatDate || "").split(",").map(Number);
-      if (dates.length === 0 || !dates.includes(today.date())) return false;
+    case FinanceAutoRepeatType.Quarterly:
       return last.quarter() !== today.quarter() || last.year() !== today.year();
-    }
 
-    case FinanceAutoRepeatType.Yearly: {
-      // repeatDate = "3,15" → 3月15日
-      const parts = (repeatDate || "").split(",").map(Number);
-      if (parts.length !== 2 || parts[0] !== today.month() + 1 || parts[1] !== today.date()) return false;
-      return last.year() !== today.year();
-    }
+    case FinanceAutoRepeatType.Yearly:
+      // 支持同一年内多个触发日（如 3/15 和 6/1），不再仅按年份判断
+      return last.isBefore(today, "day");
 
     default:
       return false;
   }
 }
 
-// 获取应该补记账的日期列表（从上次执行到今天）
+/**
+ * 获取应该补记账的日期列表（从上次执行到今天）
+ * 逐日遍历，通过 shouldRunOnDate 精确匹配触发日
+ */
 export function getMissedDates(
   repeatType: number,
   repeatDate: string,
   lastRun: string | null | undefined,
 ): string[] {
   const today = dayjs();
-  if (!lastRun) return [today.format("YYYY-MM-DD")];
+
+  // 首次执行：只在今天恰好是触发日时才创建账单
+  if (!lastRun) {
+    if (shouldRunOnDate(repeatType, repeatDate, today)) {
+      return [today.format("YYYY-MM-DD")];
+    }
+    return [];
+  }
 
   const last = dayjs(lastRun);
   const dates: string[] = [];
@@ -68,25 +93,43 @@ export function getMissedDates(
 }
 
 function shouldRunOnDate(repeatType: number, repeatDate: string, date: dayjs.Dayjs): boolean {
+  const exclude = isExcludeMode(repeatDate);
+  const raw = cleanRepeatDate(repeatDate);
+
   switch (repeatType) {
-    case FinanceAutoRepeatType.Daily:
-      return true;
+    case FinanceAutoRepeatType.Daily: {
+      if (!exclude || !raw) return true;
+      // 每天 排除星期几（如 "!0" → 排除周日）
+      const excludedDays = raw.split(",").map(Number).filter((d) => !isNaN(d));
+      return !excludedDays.includes(date.day());
+    }
+
     case FinanceAutoRepeatType.Weekly: {
-      const days = (repeatDate || "").split(",").map(Number);
-      return days.includes(date.day());
-    }
-    case FinanceAutoRepeatType.Monthly: {
-      const dates = (repeatDate || "").split(",").map(Number);
-      return dates.includes(date.date());
+      const days = raw.split(",").map(Number).filter((d) => !isNaN(d));
+      if (days.length === 0) return false;
+      const match = days.includes(date.day());
+      return exclude ? !match : match;
     }
+
+    case FinanceAutoRepeatType.Monthly:
     case FinanceAutoRepeatType.Quarterly: {
-      const dates = (repeatDate || "").split(",").map(Number);
-      return dates.includes(date.date());
+      const dates = raw.split(",").map(Number).filter((d) => !isNaN(d));
+      if (dates.length === 0) return false;
+      const match = dates.includes(date.date());
+      return exclude ? !match : match;
     }
+
     case FinanceAutoRepeatType.Yearly: {
-      const parts = (repeatDate || "").split(",").map(Number);
-      return parts.length === 2 && parts[0] === date.month() + 1 && parts[1] === date.date();
+      // 月,日 成对存储，如 "3,15,6,1" → 3月15日 + 6月1日
+      const parts = raw.split(",").map(Number).filter((n) => !isNaN(n));
+      for (let i = 0; i < parts.length - 1; i += 2) {
+        if (parts[i] === date.month() + 1 && parts[i + 1] === date.date()) {
+          return exclude ? false : true;
+        }
+      }
+      return exclude; // 排除模式未命中 → 执行；正常模式未命中 → 不执行
     }
+
     default:
       return false;
   }
@@ -96,8 +139,6 @@ export const REPEAT_LABELS: Record<number, string> = {
   [FinanceAutoRepeatType.Daily]: "每天",
   [FinanceAutoRepeatType.Weekly]: "每周",
   [FinanceAutoRepeatType.Monthly]: "每月",
-  [FinanceAutoRepeatType.Quarterly]: "每季度",
-  [FinanceAutoRepeatType.Yearly]: "每年",
 };
 
 export const WEEK_DAYS = [
diff --git a/code/app/app-rn/src/store/finance.ts b/code/app/app-rn/src/store/finance.ts
index 2ef9da54..e160cdb6 100644
--- a/code/app/app-rn/src/store/finance.ts
+++ b/code/app/app-rn/src/store/finance.ts
@@ -8,10 +8,14 @@ import {
   FinanceType,
 } from "@/types/finance";
 import { shouldRun, getMissedDates } from "@/helpers/financeAuto";
+import AsyncStorage from "@react-native-async-storage/async-storage";
+
+const AUTO_BILL_IDS_KEY = "finance_auto_bill_ids";
 
 interface FinanceState {
   categories: FinanceCategory[];
   autoRules: FinanceAuto[];
+  autoBillIds: number[];
   setCategories: (categories: FinanceCategory[]) => void;
   clearCategories: () => void;
 
@@ -26,11 +30,15 @@ interface FinanceState {
   fetchAutoRules: (familyId: number) => Promise<void>;
   saveAutoRule: (rule: Partial<FinanceAuto>, isDelete?: boolean) => Promise<boolean>;
   runAutoRules: (familyId: number, userId: number) => Promise<number>;
+  loadAutoBillIds: () => Promise<void>;
+  addAutoBillIds: (ids: number[]) => void;
+  isAutoBill: (id: number) => boolean;
 }
 
 export const useFinanceStore = create<FinanceState>((set, get) => ({
   categories: [],
   autoRules: [],
+  autoBillIds: [],
   setCategories: (categories: FinanceCategory[]) => set({ categories }),
   clearCategories: () => set({ categories: [], autoRules: [] }),
 
@@ -132,6 +140,9 @@ export const useFinanceStore = create<FinanceState>((set, get) => ({
 
       if (inserts.length > 0) {
         await saveDataApi([{ table_name: "b_finance", key_field: "id", inserts, updates: [], deletes: [] }]);
+        // 记录自动生成的账单 ID
+        const newIds = inserts.map((item) => item.id as number);
+        get().addAutoBillIds(newIds);
         // 更新 last_run 为最近的一天
         const lastDate = missedDates[missedDates.length - 1];
         await saveDataApi([{
@@ -147,4 +158,19 @@ export const useFinanceStore = create<FinanceState>((set, get) => ({
 
     return count;
   },
+
+  loadAutoBillIds: async () => {
+    try {
+      const raw = await AsyncStorage.getItem(AUTO_BILL_IDS_KEY);
+      if (raw) set({ autoBillIds: JSON.parse(raw) });
+    } catch { /* ignore */ }
+  },
+
+  addAutoBillIds: (ids: number[]) => {
+    const merged = [...new Set([...get().autoBillIds, ...ids])];
+    set({ autoBillIds: merged });
+    AsyncStorage.setItem(AUTO_BILL_IDS_KEY, JSON.stringify(merged)).catch(() => {});
+  },
+
+  isAutoBill: (id: number) => get().autoBillIds.includes(id),
 }));
diff --git a/code/app/app-rn/src/types/finance.ts b/code/app/app-rn/src/types/finance.ts
index c66ecd37..337f4a93 100644
--- a/code/app/app-rn/src/types/finance.ts
+++ b/code/app/app-rn/src/types/finance.ts
@@ -61,6 +61,7 @@ export interface FinanceAuto {
   type: FinanceType;
   category_id: number;
   amount: number;
+  title?: string;
   remark?: string;
   repeat_type: FinanceAutoRepeatType;
   repeat_date?: string;
diff --git a/code/app/app-rn/src/utils/time.ts b/code/app/app-rn/src/utils/time.ts
index 0d48e970..43a31e50 100644
--- a/code/app/app-rn/src/utils/time.ts
+++ b/code/app/app-rn/src/utils/time.ts
@@ -98,7 +98,7 @@ export function normalizeDateTime(input?: string | Date | dayjs.Dayjs): string {
 
   if (!d.isValid()) return "";
 
-  // string 才需要“猜精度”，Date / dayjs 默认是完整的
+  // string 才需要"猜精度"，Date / dayjs 默认是完整的
   if (typeof raw === "string") {
     if (/^\d{4}$/.test(raw)) {
       d = d.startOf("year");
@@ -114,6 +114,38 @@ export function normalizeDateTime(input?: string | Date | dayjs.Dayjs): string {
   return d.format("YYYY-MM-DD HH:mm:ss");
 }
 
+/**
+ * 格式化显示时间（通用方法）
+ * < 60s  → 刚刚
+ * < 30min → X分钟前
+ * 今天    → HH:mm
+ * 昨天    → 昨天 HH:mm
+ * 今年    → M月D日 HH:mm
+ * 往年    → YYYY年M月D日 HH:mm
+ */
+export function formatDisplayTime(input?: dayjs.ConfigType): string {
+  if (!input) return "";
+  const time = dayjs(input);
+  if (!time.isValid()) return "";
+
+  const now = dayjs();
+  const diffSeconds = now.diff(time, "second");
+  if (diffSeconds < 0) return time.format("YYYY年M月D日 HH:mm");
+  if (diffSeconds < 60) return "刚刚";
+
+  const diffMinutes = now.diff(time, "minute");
+  if (diffMinutes < 30) return `${diffMinutes}分钟前`;
+
+  const sameDay = time.format("YYYY-MM-DD") === now.format("YYYY-MM-DD");
+  if (sameDay) return time.format("HH:mm");
+
+  const yesterday = now.subtract(1, "day").format("YYYY-MM-DD");
+  if (time.format("YYYY-MM-DD") === yesterday) return `昨天 ${time.format("HH:mm")}`;
+
+  if (time.year() === now.year()) return time.format("M月D日 HH:mm");
+  return time.format("YYYY年M月D日 HH:mm");
+}
+
 /**
  * 格式化时间为相对时间
  * @param timestamp 秒级或毫秒级时间戳