feat: 로컬 알림 — 가계부 기록 리마인더 + 구독 만료 임박 (앱 전용)

- @capacitor/local-notifications 추가, src/native/reminders.js
- 매일 설정 시각(기본 21시) 가계부 미기록 시 알림(오늘 기록하면 오늘자 제외, 7일 롤링)
- 구독 해지 상태 만료 3일 전 알림
- 설정에 알림 받기 토글 + 시간 선택(앱에서만), 권한 요청
- 앱 시작/홈/내역에서 스케줄 보정

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

src/views/HomeView.vue

@@ -4,6 +4,7 @@ import { RouterLink, useRouter } from 'vue-router'
 import { useAuthStore } from '@/stores/auth'
 import { useUiStore } from '@/stores/ui'
 import { accountApi } from '@/api/accountApi'
+import { reminders } from '@/native/reminders'
 import { ID_LOGIN_ENABLED } from '@/config/features'
 import { enterDemo } from '@/demo'
 
@@ -125,6 +126,12 @@ async function load() {
     budgetTotal.value = (status || []).reduce((s, x) => s + (x.monthlyBudget || 0), 0)
     spentTotal.value = (status || []).reduce((s, x) => s + (x.spent || 0), 0)
     entries.value = list || []
+    // 오늘 기록 여부로 가계부 리마인더 보정(오늘 기록 있으면 오늘자 알림 제외)
+    if (reminders.isNative()) {
+      const t = new Date()
+      const today = `${t.getFullYear()}-${String(t.getMonth() + 1).padStart(2, '0')}-${String(t.getDate()).padStart(2, '0')}`
+      reminders.scheduleEntryReminder((list || []).some((e) => e.entryDate === today))
+    }
   } catch (e) {
     error.value = e.response?.data?.message || '요약을 불러오지 못했습니다.'
   } finally {

src/views/account/AccountView.vue

@@ -1,6 +1,7 @@
 <script setup>
 import { computed, nextTick, onMounted, reactive, ref, watch } from 'vue'
 import { accountApi } from '@/api/accountApi'
+import { reminders } from '@/native/reminders'
 import { useAuthStore } from '@/stores/auth'
 import { useDialog } from '@/composables/dialog'
 import IconBtn from '@/components/ui/IconBtn.vue'
@@ -577,6 +578,8 @@ async function submit() {
       await accountApi.create(payload)
     }
     formOpen.value = false
+    // 오늘 거래를 기록했으면 오늘자 가계부 리마인더 취소
+    if (reminders.isNative() && payload.entryDate === todayStr()) reminders.clearTodayReminder()
     await load()
     await loadPendingCount()
   } catch (e) {

src/views/settings/SettingsView.vue

@@ -1,17 +1,66 @@
 <script setup>
-import { computed, ref } from 'vue'
+import { computed, onMounted, ref } from 'vue'
 import { RouterLink } from 'vue-router'
 import { Preferences } from '@capacitor/preferences'
 import { useDialog } from '@/composables/dialog'
 import { useUiStore } from '@/stores/ui'
 import { useAuthStore } from '@/stores/auth'
 import { exportBackup, importBackup } from '@/utils/backup'
+import { reminders } from '@/native/reminders'
 
 const dialog = useDialog()
 const ui = useUiStore()
 const auth = useAuthStore()
 const isPremium = computed(() => auth.isPremium) // 데이터 백업/복구는 유료 전용
 
+// ===== 알림(로컬) 설정 — 앱에서만 =====
+const notifSupported = reminders.isNative()
+const notifEnabled = ref(false)
+const notifHour = ref(21)
+const notifSaving = ref(false)
+
+function subFromUser() {
+  return { premium: auth.isPremium, autoRenew: !!auth.user?.planAutoRenew, expiresAt: auth.user?.planExpiresAt }
+}
+
+onMounted(async () => {
+  if (!notifSupported) return
+  const s = await reminders.getSettings()
+  notifEnabled.value = s.enabled
+  notifHour.value = s.hour
+})
+
+async function toggleNotif() {
+  if (notifSaving.value) return
+  const next = !notifEnabled.value
+  notifSaving.value = true
+  try {
+    if (next) {
+      const ok = await reminders.ensurePermission()
+      if (!ok) {
+        await dialog.alert('알림 권한이 꺼져 있어요. 기기 설정에서 알림을 허용해 주세요.')
+        return
+      }
+    }
+    notifEnabled.value = next
+    await reminders.setSettings({ enabled: next, hour: notifHour.value })
+    if (next) {
+      await reminders.scheduleEntryReminder(false)
+      await reminders.scheduleExpiryReminder(subFromUser())
+    } else {
+      await reminders.cancelAll()
+    }
+  } finally {
+    notifSaving.value = false
+  }
+}
+
+async function changeNotifHour(v) {
+  notifHour.value = Number(v)
+  await reminders.setSettings({ enabled: notifEnabled.value, hour: notifHour.value })
+  if (notifEnabled.value) await reminders.scheduleEntryReminder(false)
+}
+
 const exporting = ref(false)
 async function doExport() {
   if (exporting.value) return
@@ -125,6 +174,30 @@ async function clearAppData() {
       </div>
     </section>
 
+    <!-- 알림 (앱 전용 — 로컬 알림) -->
+    <section v-if="notifSupported" class="card">
+      <div class="row">
+        <div class="row-main">
+          <span class="row-label">알림 받기</span>
+          <span class="row-sub">가계부 기록 리마인더 · 구독 만료 안내</span>
+        </div>
+        <button
+          type="button" class="switch" :class="{ on: notifEnabled }"
+          :disabled="notifSaving" role="switch" :aria-checked="notifEnabled"
+          @click="toggleNotif"
+        ><span class="knob"></span></button>
+      </div>
+      <div v-if="notifEnabled" class="row">
+        <div class="row-main">
+          <span class="row-label">리마인더 시간</span>
+          <span class="row-sub">오늘 기록이 없으면 이 시각에 알려드려요</span>
+        </div>
+        <select class="res-select" :value="notifHour" @change="changeNotifHour($event.target.value)">
+          <option v-for="h in 24" :key="h - 1" :value="h - 1">{{ String(h - 1).padStart(2, '0') }}:00</option>
+        </select>
+      </div>
+    </section>
+
     <!-- PC(데스크톱) 전용: 창 크기 (가로·세로 각각) -->
     <section v-if="isDesktop" class="card">
       <div class="row">
@@ -312,6 +385,38 @@ async function clearAppData() {
 .hidden-file {
   display: none;
 }
+.switch {
+  flex-shrink: 0;
+  width: 48px;
+  height: 28px;
+  border: 0;
+  border-radius: 999px;
+  background: #b0b0b0;
+  position: relative;
+  cursor: pointer;
+  transition: background 0.18s;
+  padding: 0;
+}
+.switch.on {
+  background: hsla(160, 100%, 37%, 1);
+}
+.switch:disabled {
+  opacity: 0.6;
+  cursor: default;
+}
+.switch .knob {
+  position: absolute;
+  top: 3px;
+  left: 3px;
+  width: 22px;
+  height: 22px;
+  border-radius: 50%;
+  background: #fff;
+  transition: transform 0.18s;
+}
+.switch.on .knob {
+  transform: translateX(20px);
+}
 .seg-btn {
   padding: 0.4rem 0.7rem;
   border: 0;