feat(预算功能新增)

1、实现月度预算功能，每个用户每个月可以设置一个预算金额。在首页展示预算相关信息，并提供预算调整功能。每月首次打开应用时，自动结算上月预算并弹窗通知用户，同时开启本月预算。

src/main/java/com/accounting/controller/AccountController.java

@@ -0,0 +1,55 @@
+package com.accounting.controller;
+
+import com.accounting.dto.AccountRequest;
+import com.accounting.dto.AccountResponse;
+import com.accounting.entity.User;
+import com.accounting.mapper.UserMapper;
+import com.accounting.service.AccountService;
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.http.ResponseEntity;
+import org.springframework.security.core.Authentication;
+import org.springframework.security.core.userdetails.UserDetails;
+import org.springframework.web.bind.annotation.*;
+
+@Tag(name = "账户管理", description = "账户管理接口")
+@RestController
+@RequestMapping("/api/accounts")
+public class AccountController {
+    
+    @Autowired
+    private AccountService accountService;
+    
+    @Autowired
+    private UserMapper userMapper;
+    
+    @Operation(summary = "获取账户信息")
+    @GetMapping
+    public ResponseEntity<AccountResponse> getAccount(Authentication authentication) {
+        Long userId = getUserId(authentication);
+        AccountResponse response = accountService.getAccountBalance(userId);
+        return ResponseEntity.ok(response);
+    }
+    
+    @Operation(summary = "更新账户信息")
+    @PutMapping
+    public ResponseEntity<AccountResponse> updateAccount(
+            @RequestBody AccountRequest request,
+            Authentication authentication) {
+        Long userId = getUserId(authentication);
+        AccountResponse response = accountService.updateAccount(userId, request);
+        return ResponseEntity.ok(response);
+    }
+    
+    private Long getUserId(Authentication authentication) {
+        UserDetails userDetails = (UserDetails) authentication.getPrincipal();
+        String username = userDetails.getUsername();
+        User user = userMapper.selectOne(
+            new com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper<User>()
+                .eq(User::getUsername, username)
+        );
+        return user != null ? user.getId() : null;
+    }
+}
+

src/main/java/com/accounting/controller/BudgetController.java

@@ -0,0 +1,67 @@
+package com.accounting.controller;
+
+import com.accounting.dto.BudgetRequest;
+import com.accounting.dto.BudgetResponse;
+import com.accounting.dto.BudgetSettlementResponse;
+import com.accounting.entity.User;
+import com.accounting.mapper.UserMapper;
+import com.accounting.service.BudgetService;
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.http.ResponseEntity;
+import org.springframework.security.core.Authentication;
+import org.springframework.security.core.userdetails.UserDetails;
+import org.springframework.web.bind.annotation.*;
+
+import java.time.LocalDate;
+
+@Tag(name = "预算管理", description = "预算管理接口")
+@RestController
+@RequestMapping("/api/budgets")
+public class BudgetController {
+    
+    @Autowired
+    private BudgetService budgetService;
+    
+    @Autowired
+    private UserMapper userMapper;
+    
+    @Operation(summary = "获取当前月份的预算信息")
+    @GetMapping
+    public ResponseEntity<BudgetResponse> getBudget(Authentication authentication) {
+        Long userId = getUserId(authentication);
+        LocalDate today = LocalDate.now();
+        BudgetResponse response = budgetService.getBudgetWithStatistics(userId, today.getYear(), today.getMonthValue());
+        return ResponseEntity.ok(response);
+    }
+    
+    @Operation(summary = "获取上月预算结算信息")
+    @GetMapping("/settlement")
+    public ResponseEntity<BudgetSettlementResponse> getBudgetSettlement(Authentication authentication) {
+        Long userId = getUserId(authentication);
+        BudgetSettlementResponse response = budgetService.getLastMonthSettlement(userId);
+        return ResponseEntity.ok(response);
+    }
+    
+    @Operation(summary = "设置/更新预算")
+    @PutMapping
+    public ResponseEntity<BudgetResponse> setBudget(
+            @RequestBody BudgetRequest request,
+            Authentication authentication) {
+        Long userId = getUserId(authentication);
+        BudgetResponse response = budgetService.setBudget(userId, request);
+        return ResponseEntity.ok(response);
+    }
+    
+    private Long getUserId(Authentication authentication) {
+        UserDetails userDetails = (UserDetails) authentication.getPrincipal();
+        String username = userDetails.getUsername();
+        User user = userMapper.selectOne(
+            new com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper<User>()
+                .eq(User::getUsername, username)
+        );
+        return user != null ? user.getId() : null;
+    }
+}
+

src/main/java/com/accounting/dto/AccountRequest.java

@@ -0,0 +1,13 @@
+package com.accounting.dto;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+@Data
+public class AccountRequest {
+    private String name;
+    
+    private BigDecimal initialBalance;
+}
+

src/main/java/com/accounting/dto/AccountResponse.java

@@ -0,0 +1,26 @@
+package com.accounting.dto;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+@Data
+public class AccountResponse {
+    private Long id;
+    
+    private String name;
+    
+    private BigDecimal initialBalance;
+    
+    private BigDecimal balance; // 计算后的余额（初始余额 + 收入 - 支出）
+    
+    private BigDecimal totalIncome; // 总收入
+    
+    private BigDecimal totalExpense; // 总支出
+    
+    private LocalDateTime createTime;
+    
+    private LocalDateTime updateTime;
+}
+

src/main/java/com/accounting/dto/BudgetRequest.java

@@ -0,0 +1,15 @@
+package com.accounting.dto;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+@Data
+public class BudgetRequest {
+    private Integer year;
+    
+    private Integer month;
+    
+    private BigDecimal amount;
+}
+

src/main/java/com/accounting/dto/BudgetResponse.java

@@ -0,0 +1,23 @@
+package com.accounting.dto;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+@Data
+public class BudgetResponse {
+    private Long id;
+    
+    private Integer year;
+    
+    private Integer month;
+    
+    private BigDecimal amount; // 预算金额
+    
+    private BigDecimal usedAmount; // 已用金额（本月支出）
+    
+    private BigDecimal remainingAmount; // 剩余预算
+    
+    private BigDecimal remainingDaily; // 剩余日均
+}
+

src/main/java/com/accounting/dto/BudgetSettlementResponse.java

@@ -0,0 +1,23 @@
+package com.accounting.dto;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+@Data
+public class BudgetSettlementResponse {
+    private Integer year; // 年份
+    
+    private Integer month; // 月份
+    
+    private BigDecimal budgetAmount; // 预算金额
+    
+    private BigDecimal actualExpense; // 实际支出
+    
+    private Boolean isOverBudget; // 是否超支
+    
+    private BigDecimal overAmount; // 超支金额（如果超支）
+    
+    private BigDecimal completionRate; // 完成率（实际支出/预算金额，如果预算为0则为null）
+}
+

src/main/java/com/accounting/entity/Account.java

@@ -0,0 +1,27 @@
+package com.accounting.entity;
+
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableName;
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+@Data
+@TableName("account")
+public class Account {
+    @TableId(type = IdType.AUTO)
+    private Long id;
+    
+    private Long userId;
+    
+    private String name;
+    
+    private BigDecimal initialBalance;
+    
+    private LocalDateTime createTime;
+    
+    private LocalDateTime updateTime;
+}
+

src/main/java/com/accounting/entity/Bill.java

@@ -17,6 +17,8 @@ public class Bill {
     
     private Long userId;
     
+    private Long accountId;
+    
     private Long categoryId;
     
     private BigDecimal amount;

src/main/java/com/accounting/entity/Budget.java

@@ -0,0 +1,29 @@
+package com.accounting.entity;
+
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableName;
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+@Data
+@TableName("budget")
+public class Budget {
+    @TableId(type = IdType.AUTO)
+    private Long id;
+    
+    private Long userId;
+    
+    private Integer year;
+    
+    private Integer month;
+    
+    private BigDecimal amount;
+    
+    private LocalDateTime createTime;
+    
+    private LocalDateTime updateTime;
+}
+

src/main/java/com/accounting/mapper/AccountMapper.java

@@ -0,0 +1,10 @@
+package com.accounting.mapper;
+
+import com.accounting.entity.Account;
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import org.apache.ibatis.annotations.Mapper;
+
+@Mapper
+public interface AccountMapper extends BaseMapper<Account> {
+}
+

src/main/java/com/accounting/mapper/BudgetMapper.java

@@ -0,0 +1,10 @@
+package com.accounting.mapper;
+
+import com.accounting.entity.Budget;
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import org.apache.ibatis.annotations.Mapper;
+
+@Mapper
+public interface BudgetMapper extends BaseMapper<Budget> {
+}
+

src/main/java/com/accounting/service/AccountService.java

@@ -0,0 +1,150 @@
+package com.accounting.service;
+
+import com.accounting.dto.AccountRequest;
+import com.accounting.dto.AccountResponse;
+import com.accounting.entity.Account;
+import com.accounting.entity.Bill;
+import com.accounting.mapper.AccountMapper;
+import com.accounting.mapper.BillMapper;
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import org.springframework.beans.BeanUtils;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+import java.math.BigDecimal;
+import java.util.List;
+
+@Service
+public class AccountService {
+    
+    @Autowired
+    private AccountMapper accountMapper;
+    
+    @Autowired
+    private BillMapper billMapper;
+    
+    /**
+     * 获取或创建用户账户（如果不存在则创建默认账户）
+     */
+    @Transactional
+    public Account getOrCreateAccount(Long userId) {
+        Account account = accountMapper.selectOne(
+            new LambdaQueryWrapper<Account>()
+                .eq(Account::getUserId, userId)
+        );
+        
+        if (account == null) {
+            account = new Account();
+            account.setUserId(userId);
+            account.setName("默认账户");
+            account.setInitialBalance(BigDecimal.ZERO);
+            accountMapper.insert(account);
+        }
+        
+        return account;
+    }
+    
+    /**
+     * 获取用户账户
+     */
+    public Account getAccount(Long userId) {
+        return accountMapper.selectOne(
+            new LambdaQueryWrapper<Account>()
+                .eq(Account::getUserId, userId)
+        );
+    }
+    
+    /**
+     * 更新账户信息（主要是初始余额）
+     */
+    @Transactional
+    public AccountResponse updateAccount(Long userId, AccountRequest request) {
+        Account account = getOrCreateAccount(userId);
+        
+        if (request.getName() != null) {
+            account.setName(request.getName());
+        }
+        if (request.getInitialBalance() != null) {
+            account.setInitialBalance(request.getInitialBalance());
+        }
+        
+        accountMapper.updateById(account);
+        
+        return getAccountBalance(userId);
+    }
+    
+    /**
+     * 计算账户余额（初始余额 + 收入总额 - 支出总额）
+     */
+    public BigDecimal calculateBalance(Long accountId) {
+        Account account = accountMapper.selectById(accountId);
+        if (account == null) {
+            return BigDecimal.ZERO;
+        }
+        
+        BigDecimal initialBalance = account.getInitialBalance() != null ? account.getInitialBalance() : BigDecimal.ZERO;
+        
+        // 查询该账户的所有账单
+        List<Bill> bills = billMapper.selectList(
+            new LambdaQueryWrapper<Bill>()
+                .eq(Bill::getAccountId, accountId)
+        );
+        
+        BigDecimal totalIncome = BigDecimal.ZERO;
+        BigDecimal totalExpense = BigDecimal.ZERO;
+        
+        for (Bill bill : bills) {
+            if (bill.getType() != null && bill.getAmount() != null) {
+                if (bill.getType() == 2) { // 收入
+                    totalIncome = totalIncome.add(bill.getAmount());
+                } else if (bill.getType() == 1) { // 支出
+                    totalExpense = totalExpense.add(bill.getAmount().abs());
+                }
+            }
+        }
+        
+        return initialBalance.add(totalIncome).subtract(totalExpense);
+    }
+    
+    /**
+     * 获取账户余额信息（包含余额、总收入、总支出）
+     */
+    public AccountResponse getAccountBalance(Long userId) {
+        Account account = getOrCreateAccount(userId);
+        
+        AccountResponse response = new AccountResponse();
+        BeanUtils.copyProperties(account, response);
+        
+        BigDecimal balance = calculateBalance(account.getId());
+        response.setBalance(balance);
+        
+        // 计算总收入
+        List<Bill> incomeBills = billMapper.selectList(
+            new LambdaQueryWrapper<Bill>()
+                .eq(Bill::getAccountId, account.getId())
+                .eq(Bill::getType, 2) // 收入
+        );
+        BigDecimal totalIncome = incomeBills.stream()
+            .map(Bill::getAmount)
+            .filter(amount -> amount != null)
+            .reduce(BigDecimal.ZERO, BigDecimal::add);
+        response.setTotalIncome(totalIncome);
+        
+        // 计算总支出
+        List<Bill> expenseBills = billMapper.selectList(
+            new LambdaQueryWrapper<Bill>()
+                .eq(Bill::getAccountId, account.getId())
+                .eq(Bill::getType, 1) // 支出
+        );
+        BigDecimal totalExpense = expenseBills.stream()
+            .map(Bill::getAmount)
+            .map(BigDecimal::abs)
+            .filter(amount -> amount != null)
+            .reduce(BigDecimal.ZERO, BigDecimal::add);
+        response.setTotalExpense(totalExpense);
+        
+        return response;
+    }
+}
+

src/main/java/com/accounting/service/BillService.java

@@ -2,6 +2,7 @@ package com.accounting.service;
 
 import com.accounting.dto.BillRequest;
 import com.accounting.dto.BillResponse;
+import com.accounting.entity.Account;
 import com.accounting.entity.Bill;
 import com.accounting.entity.Category;
 import com.accounting.mapper.BillMapper;
@@ -25,6 +26,9 @@ public class BillService {
     @Autowired
     private CategoryMapper categoryMapper;
     
+    @Autowired
+    private AccountService accountService;
+    
     @Transactional
     public BillResponse createBill(BillRequest request, Long userId) {
         // 验证分类是否存在
@@ -33,9 +37,13 @@ public class BillService {
             throw new RuntimeException("分类不存在");
         }
         
+        // 获取或创建账户
+        Account account = accountService.getOrCreateAccount(userId);
+        
         // 创建账单
         Bill bill = new Bill();
         bill.setUserId(userId);
+        bill.setAccountId(account.getId()); // 自动关联账户
         bill.setCategoryId(request.getCategoryId());
         bill.setAmount(request.getAmount());
         bill.setDescription(request.getDescription());
@@ -67,6 +75,12 @@ public class BillService {
             throw new RuntimeException("分类不存在");
         }
         
+        // 如果账单没有关联账户，则自动关联
+        if (bill.getAccountId() == null) {
+            Account account = accountService.getOrCreateAccount(userId);
+            bill.setAccountId(account.getId());
+        }
+        
         // 更新账单
         bill.setCategoryId(request.getCategoryId());
         bill.setAmount(request.getAmount());

src/main/java/com/accounting/service/BudgetService.java

@@ -0,0 +1,191 @@
+package com.accounting.service;
+
+import com.accounting.dto.BudgetRequest;
+import com.accounting.dto.BudgetResponse;
+import com.accounting.dto.BudgetSettlementResponse;
+import com.accounting.dto.StatisticsResponse;
+import com.accounting.entity.Budget;
+import com.accounting.mapper.BudgetMapper;
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+import java.math.BigDecimal;
+import java.math.RoundingMode;
+import java.time.LocalDate;
+
+@Service
+public class BudgetService {
+    
+    @Autowired
+    private BudgetMapper budgetMapper;
+    
+    @Autowired
+    private StatisticsService statisticsService;
+    
+    /**
+     * 获取或创建预算（如果不存在则创建默认0）
+     */
+    @Transactional
+    public Budget getOrCreateBudget(Long userId, int year, int month) {
+        Budget budget = budgetMapper.selectOne(
+            new LambdaQueryWrapper<Budget>()
+                .eq(Budget::getUserId, userId)
+                .eq(Budget::getYear, year)
+                .eq(Budget::getMonth, month)
+        );
+        
+        if (budget == null) {
+            budget = new Budget();
+            budget.setUserId(userId);
+            budget.setYear(year);
+            budget.setMonth(month);
+            budget.setAmount(BigDecimal.ZERO);
+            budgetMapper.insert(budget);
+        }
+        
+        return budget;
+    }
+    
+    /**
+     * 获取预算
+     */
+    public Budget getBudget(Long userId, int year, int month) {
+        return budgetMapper.selectOne(
+            new LambdaQueryWrapper<Budget>()
+                .eq(Budget::getUserId, userId)
+                .eq(Budget::getYear, year)
+                .eq(Budget::getMonth, month)
+        );
+    }
+    
+    /**
+     * 设置/更新预算
+     */
+    @Transactional
+    public BudgetResponse setBudget(Long userId, BudgetRequest request) {
+        int year = request.getYear();
+        int month = request.getMonth();
+        BigDecimal amount = request.getAmount();
+        
+        if (amount == null || amount.compareTo(BigDecimal.ZERO) < 0) {
+            throw new RuntimeException("预算金额必须大于等于0");
+        }
+        
+        Budget budget = getOrCreateBudget(userId, year, month);
+        budget.setAmount(amount);
+        budgetMapper.updateById(budget);
+        
+        return getBudgetWithStatistics(userId, year, month);
+    }
+    
+    /**
+     * 获取预算及统计信息
+     */
+    public BudgetResponse getBudgetWithStatistics(Long userId, int year, int month) {
+        Budget budget = getOrCreateBudget(userId, year, month);
+        
+        BudgetResponse response = new BudgetResponse();
+        response.setId(budget.getId());
+        response.setYear(budget.getYear());
+        response.setMonth(budget.getMonth());
+        response.setAmount(budget.getAmount());
+        
+        // 获取本月支出统计
+        StatisticsResponse stats = statisticsService.getMonthlyStatistics(userId, year, month);
+        BigDecimal usedAmount = stats.getTotalExpense() != null ? stats.getTotalExpense() : BigDecimal.ZERO;
+        response.setUsedAmount(usedAmount);
+        
+        // 计算剩余预算
+        BigDecimal remainingAmount = budget.getAmount().subtract(usedAmount);
+        response.setRemainingAmount(remainingAmount);
+        
+        // 计算剩余日均
+        LocalDate today = LocalDate.now();
+        LocalDate monthStart = LocalDate.of(year, month, 1);
+        LocalDate monthEnd = monthStart.withDayOfMonth(monthStart.lengthOfMonth());
+        
+        int remainingDays = 0;
+        if (year == today.getYear() && month == today.getMonthValue()) {
+            // 当前月份
+            remainingDays = monthEnd.getDayOfMonth() - today.getDayOfMonth() + 1;
+            if (remainingDays < 0) {
+                remainingDays = 0;
+            }
+        } else if (year < today.getYear() || (year == today.getYear() && month < today.getMonthValue())) {
+            // 过去的月份
+            remainingDays = 0;
+        } else {
+            // 未来的月份
+            remainingDays = monthEnd.getDayOfMonth();
+        }
+        
+        if (remainingDays > 0) {
+            BigDecimal remainingDaily = remainingAmount.divide(BigDecimal.valueOf(remainingDays), 2, RoundingMode.HALF_UP);
+            response.setRemainingDaily(remainingDaily);
+        } else {
+            response.setRemainingDaily(BigDecimal.ZERO);
+        }
+        
+        return response;
+    }
+    
+    /**
+     * 获取上月预算结算信息
+     */
+    public BudgetSettlementResponse getLastMonthSettlement(Long userId) {
+        LocalDate today = LocalDate.now();
+        LocalDate lastMonth = today.minusMonths(1);
+        int year = lastMonth.getYear();
+        int month = lastMonth.getMonthValue();
+        
+        Budget budget = getBudget(userId, year, month);
+        BigDecimal budgetAmount = budget != null && budget.getAmount() != null ? budget.getAmount() : BigDecimal.ZERO;
+        
+        // 获取上月支出统计
+        StatisticsResponse stats = statisticsService.getMonthlyStatistics(userId, year, month);
+        BigDecimal actualExpense = stats.getTotalExpense() != null ? stats.getTotalExpense() : BigDecimal.ZERO;
+        
+        BudgetSettlementResponse response = new BudgetSettlementResponse();
+        response.setYear(year);
+        response.setMonth(month);
+        response.setBudgetAmount(budgetAmount);
+        response.setActualExpense(actualExpense);
+        
+        // 判断是否超支
+        boolean isOverBudget = actualExpense.compareTo(budgetAmount) > 0;
+        response.setIsOverBudget(isOverBudget);
+        
+        if (isOverBudget) {
+            BigDecimal overAmount = actualExpense.subtract(budgetAmount);
+            response.setOverAmount(overAmount);
+        } else {
+            response.setOverAmount(BigDecimal.ZERO);
+        }
+        
+        // 计算完成率
+        if (budgetAmount.compareTo(BigDecimal.ZERO) > 0) {
+            BigDecimal completionRate = actualExpense.divide(budgetAmount, 4, RoundingMode.HALF_UP)
+                .multiply(BigDecimal.valueOf(100));
+            response.setCompletionRate(completionRate);
+        } else {
+            response.setCompletionRate(null);
+        }
+        
+        return response;
+    }
+    
+    /**
+     * 检查并创建本月预算（如果不存在则创建默认0）
+     */
+    @Transactional
+    public void checkAndCreateCurrentMonthBudget(Long userId) {
+        LocalDate today = LocalDate.now();
+        int year = today.getYear();
+        int month = today.getMonthValue();
+        
+        getOrCreateBudget(userId, year, month);
+    }
+}
+

src/main/resources/db/schema.sql

@@ -34,6 +34,7 @@ CREATE TABLE IF NOT EXISTS `category` (
 CREATE TABLE IF NOT EXISTS `bill` (
   `id` BIGINT NOT NULL AUTO_INCREMENT COMMENT '账单ID',
   `user_id` BIGINT NOT NULL COMMENT '用户ID',
+  `account_id` BIGINT COMMENT '账户ID',
   `category_id` BIGINT NOT NULL COMMENT '分类ID',
   `amount` DECIMAL(10,2) NOT NULL COMMENT '金额',
   `description` VARCHAR(255) COMMENT '描述',
@@ -44,12 +45,44 @@ CREATE TABLE IF NOT EXISTS `bill` (
   `update_time` DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
   PRIMARY KEY (`id`),
   INDEX `idx_user_id` (`user_id`),
+  INDEX `idx_account_id` (`account_id`),
   INDEX `idx_category_id` (`category_id`),
   INDEX `idx_bill_date` (`bill_date`),
   FOREIGN KEY (`user_id`) REFERENCES `user` (`id`) ON DELETE CASCADE,
+  FOREIGN KEY (`account_id`) REFERENCES `account` (`id`) ON DELETE RESTRICT,
   FOREIGN KEY (`category_id`) REFERENCES `category` (`id`) ON DELETE RESTRICT
 ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='账单表';
 
+-- 账户表
+CREATE TABLE IF NOT EXISTS `account` (
+  `id` BIGINT NOT NULL AUTO_INCREMENT COMMENT '账户ID',
+  `user_id` BIGINT NOT NULL COMMENT '用户ID',
+  `name` VARCHAR(50) NOT NULL DEFAULT '默认账户' COMMENT '账户名称',
+  `initial_balance` DECIMAL(10,2) NOT NULL DEFAULT 0.00 COMMENT '初始余额',
+  `create_time` DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
+  `update_time` DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
+  PRIMARY KEY (`id`),
+  INDEX `idx_user_id` (`user_id`),
+  FOREIGN KEY (`user_id`) REFERENCES `user` (`id`) ON DELETE CASCADE,
+  UNIQUE KEY `uk_user_account` (`user_id`) COMMENT '每个用户只有一个账户'
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='账户表';
+
+-- 预算表
+CREATE TABLE IF NOT EXISTS `budget` (
+  `id` BIGINT NOT NULL AUTO_INCREMENT COMMENT '预算ID',
+  `user_id` BIGINT NOT NULL COMMENT '用户ID',
+  `year` INT NOT NULL COMMENT '年份',
+  `month` INT NOT NULL COMMENT '月份（1-12）',
+  `amount` DECIMAL(10,2) NOT NULL DEFAULT 0.00 COMMENT '预算金额',
+  `create_time` DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
+  `update_time` DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
+  PRIMARY KEY (`id`),
+  INDEX `idx_user_id` (`user_id`),
+  INDEX `idx_year_month` (`year`, `month`),
+  FOREIGN KEY (`user_id`) REFERENCES `user` (`id`) ON DELETE CASCADE,
+  UNIQUE KEY `uk_user_year_month` (`user_id`, `year`, `month`) COMMENT '每个用户每个月只有一个预算'
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci COMMENT='预算表';
+
 -- OCR记录表
 CREATE TABLE IF NOT EXISTS `ocr_record` (
   `id` BIGINT NOT NULL AUTO_INCREMENT COMMENT 'OCR记录ID',