diff --git a/apps/admin/src/pages/Deposits/index.tsx b/apps/admin/src/pages/Deposits/index.tsx
index 4ac6578..4ae504d 100644
--- a/apps/admin/src/pages/Deposits/index.tsx
+++ b/apps/admin/src/pages/Deposits/index.tsx
@@ -37,6 +37,8 @@ const isFormValidationError = (error: unknown) =>
   && error !== null
   && Array.isArray((error as { errorFields?: unknown }).errorFields);
 
+const moneyNumber = (value: unknown) => Number(Number(value || 0).toFixed(2));
+
 const DepositsPage: React.FC = () => {
   const [data, setData] = useState<any[]>([]);
   const [students, setStudents] = useState<any[]>([]);
@@ -350,7 +352,38 @@ const DepositsPage: React.FC = () => {
       >
         <Form form={refundForm} layout="vertical">
           <div style={{ marginBottom: 16, padding: 12, background: '#f5f5f5', borderRadius: 8 }}>
-            当前可用押金: <strong>¥{Number(refundModal?.amount || 0).toFixed(2)}</strong>
+            <div>
+              当前可用押金:{' '}
+              <strong>¥{moneyNumber(refundModal?.amount).toFixed(2)}</strong>
+            </div>
+            <div style={{ marginTop: 4 }}>
+              未出账个人附加费:{' '}
+              <strong>¥{moneyNumber(refundModal?.personalExpenseAmount).toFixed(2)}</strong>
+            </div>
+            <div style={{ marginTop: 4 }}>
+              自动扣除:{' '}
+              <strong style={{ color: '#fa8c16' }}>
+                ¥
+                {Math.min(
+                  moneyNumber(refundModal?.amount),
+                  moneyNumber(refundModal?.personalExpenseAmount),
+                ).toFixed(2)}
+              </strong>
+            </div>
+            <div style={{ marginTop: 4 }}>
+              实际退还:{' '}
+              <strong style={{ color: '#52c41a' }}>
+                ¥
+                {Math.max(
+                  0,
+                  moneyNumber(refundModal?.amount) -
+                    Math.min(
+                      moneyNumber(refundModal?.amount),
+                      moneyNumber(refundModal?.personalExpenseAmount),
+                    ),
+                ).toFixed(2)}
+              </strong>
+            </div>
           </div>
           <Form.Item name="refundDate" label="退还日期" rules={[{ required: true }]}>
             <DatePicker style={{ width: '100%' }} placeholder="选择退还日期" format="YYYY-MM-DD" />
diff --git a/apps/server/src/deposits/deposits.lookups.spec.ts b/apps/server/src/deposits/deposits.lookups.spec.ts
index c6f2e7e..d770723 100644
--- a/apps/server/src/deposits/deposits.lookups.spec.ts
+++ b/apps/server/src/deposits/deposits.lookups.spec.ts
@@ -5,7 +5,7 @@ describe('DepositsService permission-scoped lookups', () => {
     const studentRepo = {
       find: jest.fn().mockResolvedValue([{ id: 2, name: '张三', studentNo: 'S2' }]),
     };
-    const service = new DepositsService({} as never, {} as never, studentRepo as never);
+    const service = new DepositsService({} as never, {} as never, studentRepo as never, {} as never);
 
     await expect(service.getStudentLookups()).resolves.toEqual([
       { id: 2, name: '张三', studentNo: 'S2' },
diff --git a/apps/server/src/deposits/deposits.module.ts b/apps/server/src/deposits/deposits.module.ts
index 5c49211..730fe69 100644
--- a/apps/server/src/deposits/deposits.module.ts
+++ b/apps/server/src/deposits/deposits.module.ts
@@ -3,13 +3,18 @@ import { TypeOrmModule } from '@nestjs/typeorm';
 import { Student } from '../entities/student.entity';
 import { Deposit } from '../entities/deposit.entity';
 import { DepositInstallment } from '../entities/deposit-installment.entity';
+import { PersonalExpense } from '../entities/personal-expense.entity';
 import { DepositsService } from './deposits.service';
 import { DepositsController } from './deposits.controller';
 import { OperationLogsModule } from '../operation-logs/operation-logs.module';
 import { NotificationsModule } from '../notifications/notifications.module';
 
 @Module({
-  imports: [TypeOrmModule.forFeature([Deposit, DepositInstallment, Student]), OperationLogsModule, NotificationsModule],
+  imports: [
+    TypeOrmModule.forFeature([Deposit, DepositInstallment, Student, PersonalExpense]),
+    OperationLogsModule,
+    NotificationsModule,
+  ],
   controllers: [DepositsController],
   providers: [DepositsService],
   exports: [DepositsService],
diff --git a/apps/server/src/deposits/deposits.refund.spec.ts b/apps/server/src/deposits/deposits.refund.spec.ts
index 9677350..d8d7d1a 100644
--- a/apps/server/src/deposits/deposits.refund.spec.ts
+++ b/apps/server/src/deposits/deposits.refund.spec.ts
@@ -2,9 +2,10 @@ import { DepositsService } from './deposits.service';
 import { Deposit } from '../entities/deposit.entity';
 
 describe('DepositsService — direct refund', () => {
-  it('refunds the full available balance and stores audit fields', async () => {
+  it('deducts unbilled personal expenses before refunding the remaining balance', async () => {
     const deposit = {
       id: 1,
+      studentId: 10,
       amount: 500,
       status: 'paid',
     } as Deposit;
@@ -12,7 +13,17 @@ describe('DepositsService — direct refund', () => {
       findOne: jest.fn().mockResolvedValue(deposit),
       save: jest.fn().mockImplementation(async (value: Deposit) => value),
     };
-    const service = new DepositsService(repo as never, {} as never, {} as never);
+    const personalExpenseRepo = {
+      createQueryBuilder: jest.fn().mockReturnValue({
+        select: jest.fn().mockReturnThis(),
+        addSelect: jest.fn().mockReturnThis(),
+        where: jest.fn().mockReturnThis(),
+        andWhere: jest.fn().mockReturnThis(),
+        groupBy: jest.fn().mockReturnThis(),
+        getRawMany: jest.fn().mockResolvedValue([{ studentId: 10, amount: '120' }]),
+      }),
+    };
+    const service = new DepositsService(repo as never, {} as never, {} as never, personalExpenseRepo as never);
 
     const result = await service.refund(
       1,
@@ -23,7 +34,9 @@ describe('DepositsService — direct refund', () => {
     expect(result).toMatchObject({
       refundDate: '2026-07-13',
       amount: 0,
-      refundAmount: 500,
+      refundAmount: 380,
+      deductionAmount: 120,
+      deductionReason: '自动扣除个人附加费用 ¥120.00',
       notes: '退还剩余押金',
       status: 'refunded',
       refundedBy: 42,
diff --git a/apps/server/src/deposits/deposits.service.ts b/apps/server/src/deposits/deposits.service.ts
index 6b33eba..0b34f41 100644
--- a/apps/server/src/deposits/deposits.service.ts
+++ b/apps/server/src/deposits/deposits.service.ts
@@ -4,6 +4,7 @@ import { Repository } from 'typeorm';
 import { Deposit } from '../entities/deposit.entity';
 import { Student } from '../entities/student.entity';
 import { DepositInstallment } from '../entities/deposit-installment.entity';
+import { PersonalExpense } from '../entities/personal-expense.entity';
 
 import { CreateDepositDto, RefundDepositDto } from './dto/deposit.dto';
 
@@ -16,6 +17,8 @@ export class DepositsService {
     private installmentRepo: Repository<DepositInstallment>,
     @InjectRepository(Student)
     private studentRepo: Repository<Student>,
+    @InjectRepository(PersonalExpense)
+    private personalExpenseRepo: Repository<PersonalExpense>,
   ) {}
 
   async getStudentLookups() {
@@ -34,13 +37,15 @@ export class DepositsService {
       .orderBy('d.createdAt', 'DESC');
     if (query?.studentId) qb.andWhere('d.studentId = :studentId', { studentId: query.studentId });
     if (query?.status) qb.andWhere('d.status = :status', { status: query.status });
-    return qb.getMany();
+    const deposits = await qb.getMany();
+    return this.attachPersonalExpenseAmount(deposits);
   }
 
   async findOne(id: number) {
     const deposit = await this.repo.findOne({ where: { id }, relations: ['student', 'installments'] });
     if (!deposit) throw new NotFoundException('押金记录不存在');
-    return deposit;
+    const [withPersonalExpense] = await this.attachPersonalExpenseAmount([deposit]);
+    return withPersonalExpense;
   }
 
   async create(dto: CreateDepositDto, userId?: number) {
@@ -106,12 +111,18 @@ export class DepositsService {
       throw new BadRequestException('该学生当前没有可退押金');
     }
 
-    const refundAmount = Number(deposit.amount);
+    const depositAmount = Number(deposit.amount);
+    const personalExpenseAmount = await this.getPersonalExpenseAmount(deposit.studentId);
+    const deductionAmount = Number(Math.min(depositAmount, personalExpenseAmount).toFixed(2));
+    const refundAmount = Number((depositAmount - deductionAmount).toFixed(2));
 
     deposit.refundDate = dto.refundDate;
     deposit.refundAmount = refundAmount;
+    deposit.deductionAmount = deductionAmount;
+    deposit.deductionReason =
+      deductionAmount > 0 ? `自动扣除个人附加费用 ¥${deductionAmount.toFixed(2)}` : '';
     deposit.amount = 0;
-    deposit.status = 'refunded';
+    deposit.status = refundAmount > 0 ? 'refunded' : 'depleted';
     if (dto.notes) deposit.notes = dto.notes;
     deposit.refundedBy = userId ?? null;
     deposit.refundedAt = new Date();
@@ -135,4 +146,37 @@ export class DepositsService {
     qb.groupBy('d.status');
     return qb.getRawMany();
   }
+
+  private async attachPersonalExpenseAmount(deposits: Deposit[]) {
+    if (!deposits.length) return deposits;
+    const studentIds = Array.from(new Set(deposits.map((deposit) => deposit.studentId)));
+    const amountMap = await this.getPersonalExpenseAmountMap(studentIds);
+    return deposits.map((deposit) =>
+      Object.assign({}, deposit, {
+        personalExpenseAmount: amountMap.get(deposit.studentId) || 0,
+      }),
+    );
+  }
+
+  private async getPersonalExpenseAmount(studentId: number) {
+    const amountMap = await this.getPersonalExpenseAmountMap([studentId]);
+    return amountMap.get(studentId) || 0;
+  }
+
+  private async getPersonalExpenseAmountMap(studentIds: number[]) {
+    const amountMap = new Map<number, number>();
+    if (!studentIds.length) return amountMap;
+    const rows = await this.personalExpenseRepo
+      .createQueryBuilder('pe')
+      .select('pe.studentId', 'studentId')
+      .addSelect('SUM(pe.amount)', 'amount')
+      .where('pe.studentId IN (:...studentIds)', { studentIds })
+      .andWhere('pe.billId IS NULL')
+      .groupBy('pe.studentId')
+      .getRawMany<{ studentId: number | string; amount: string | number | null }>();
+    for (const row of rows) {
+      amountMap.set(Number(row.studentId), Number(Number(row.amount || 0).toFixed(2)));
+    }
+    return amountMap;
+  }
 }