diff --git a/src/utils/repayment.js b/src/utils/repayment.js
index 04cf531..afd2f8c 100644
--- a/src/utils/repayment.js
+++ b/src/utils/repayment.js
@@ -76,14 +76,18 @@ export function loanSchedule(w, now = currentYm(), cap = 600) {
   if (fixed > 0) {
     while (bal > 0 && rows.length < cap) {
       const interest = Math.round(bal * r)
-      let principal = fixed - interest
-      if (principal <= 0) {
+      if (fixed <= interest) {
         // 상환금이 이자에 못 미침(데이터 이상) → 더 진행 못함
-        rows.push({ label: label(y, m), principal: Math.max(0, principal), interest, total: fixed, balance: bal })
+        rows.push({ label: label(y, m), principal: 0, interest, total: fixed, balance: bal })
         break
       }
-      principal = Math.min(principal, bal)
-      bal = Math.max(0, bal - principal)
+      // 마지막 회차: 남은 잔액 한 번에 정산(은행은 잔여 반올림을 마지막 납입에 합산 → 추가 회차 안 생김)
+      if (bal <= fixed) {
+        rows.push({ label: label(y, m), principal: bal, interest, total: bal + interest, balance: 0 })
+        break
+      }
+      const principal = fixed - interest
+      bal = bal - principal
       rows.push({ label: label(y, m), principal, interest, total: principal + interest, balance: bal })
       ;({ y, m } = addMonths(y, m, 1))
     }