diff --git a/src/pages/stock/components/PortfolioTab.jsx b/src/pages/stock/components/PortfolioTab.jsx
index 2412597..9acc7de 100644
--- a/src/pages/stock/components/PortfolioTab.jsx
+++ b/src/pages/stock/components/PortfolioTab.jsx
@@ -5,6 +5,7 @@ import PriceSessionBadge from './portfolio/PriceSessionBadge';
 import AddHoldingForm from './portfolio/AddHoldingForm';
 import PortfolioSummary from './portfolio/PortfolioSummary';
 import AssetHistoryChart from './portfolio/AssetHistoryChart';
+import CashPanel from './portfolio/CashPanel';
 
 const PortfolioTab = ({ pf, asset, handleSell, handleSaveSnapshot }) => (
     <>
@@ -53,131 +54,7 @@ const PortfolioTab = ({ pf, asset, handleSell, handleSaveSnapshot }) => (
         </section>
 
         {/* 예수금 패널 */}
-        <section className="stock-panel stock-panel--wide">
-            <div className="stock-panel__head">
-                <div>
-                    <p className="stock-panel__eyebrow">예수금 관리</p>
-                    <h3>증권사별 예수금</h3>
-                    <p className="stock-panel__sub">
-                        증권사별 예수금을 입력하면 총 자산에 자동 반영됩니다.
-                    </p>
-                </div>
-            </div>
-
-            {pf.cashList.length > 0 && (
-                <div className="pf-cash-table">
-                    {pf.cashList.map((item) => {
-                        const isEditing = pf.cashEditingBroker === item.broker;
-                        return (
-                            <div key={item.id ?? item.broker} className="pf-cash-row">
-                                <span className="pf-cash-broker">{item.broker}</span>
-                                {isEditing ? (
-                                    <input
-                                        className="pf-cash-edit-input"
-                                        type="number"
-                                        min={0}
-                                        step={1}
-                                        value={pf.cashEditingValue}
-                                        onChange={(e) => pf.setCashEditingValue(e.target.value)}
-                                        onKeyDown={(e) => {
-                                            if (e.key === 'Enter') pf.handleCashInlineSave(item.broker);
-                                            if (e.key === 'Escape') pf.handleCashInlineCancel();
-                                        }}
-                                        autoFocus
-                                    />
-                                ) : (
-                                    <strong className="pf-cash-amount">
-                                        {formatNumber(item.cash)}원
-                                    </strong>
-                                )}
-                                <span className="pf-cash-date">
-                                    {item.updated_at
-                                        ? new Date(item.updated_at).toLocaleDateString('ko-KR')
-                                        : ''}
-                                </span>
-                                {isEditing ? (
-                                    <>
-                                        <button
-                                            className="button primary small"
-                                            onClick={() => pf.handleCashInlineSave(item.broker)}
-                                            disabled={pf.cashEditSaving}
-                                        >
-                                            {pf.cashEditSaving ? '저장 중' : '저장'}
-                                        </button>
-                                        <button
-                                            className="button ghost small"
-                                            onClick={pf.handleCashInlineCancel}
-                                            disabled={pf.cashEditSaving}
-                                        >
-                                            취소
-                                        </button>
-                                    </>
-                                ) : (
-                                    <>
-                                        <button
-                                            className="button ghost small"
-                                            onClick={() => pf.handleCashInlineEdit(item)}
-                                            title="수정"
-                                        >
-                                            ✏️
-                                        </button>
-                                        <button
-                                            className="button ghost small pf-btn-danger"
-                                            onClick={() => pf.handleCashDelete(item.broker)}
-                                            title="삭제"
-                                        >
-                                            🗑️
-                                        </button>
-                                    </>
-                                )}
-                            </div>
-                        );
-                    })}
-                </div>
-            )}
-            {pf.cashList.length === 0 && (
-                <p className="stock-empty" style={{ fontSize: 13 }}>
-                    등록된 예수금이 없습니다.
-                </p>
-            )}
-
-            <form className="pf-cash-form" onSubmit={pf.handleCashSave}>
-                <label>
-                    증권사명
-                    <input
-                        type="text"
-                        value={pf.cashForm.broker}
-                        onChange={(e) =>
-                            pf.setCashForm((p) => ({ ...p, broker: e.target.value }))
-                        }
-                        placeholder="KB증권"
-                        required
-                    />
-                </label>
-                <label>
-                    예수금 (원)
-                    <input
-                        type="number"
-                        min={0}
-                        step={1}
-                        value={pf.cashForm.cash}
-                        onChange={(e) =>
-                            pf.setCashForm((p) => ({ ...p, cash: e.target.value }))
-                        }
-                        placeholder="1500000"
-                        required
-                    />
-                </label>
-                <button
-                    className="button primary"
-                    type="submit"
-                    disabled={pf.cashSaving}
-                >
-                    {pf.cashSaving ? '저장 중...' : '저장'}
-                </button>
-                {pf.cashError && <p className="stock-error">{pf.cashError}</p>}
-            </form>
-        </section>
+        <CashPanel pf={pf} />
 
         {/* Broker cards stacked */}
         {pf.brokerGroups.map(([broker, items]) => {
diff --git a/src/pages/stock/components/portfolio/CashPanel.jsx b/src/pages/stock/components/portfolio/CashPanel.jsx
new file mode 100644
index 0000000..ee99375
--- /dev/null
+++ b/src/pages/stock/components/portfolio/CashPanel.jsx
@@ -0,0 +1,132 @@
+import React from 'react';
+import { formatNumber } from '../../stockUtils';
+
+const CashPanel = ({ pf }) => (
+    <section className="stock-panel stock-panel--wide">
+        <div className="stock-panel__head">
+            <div>
+                <p className="stock-panel__eyebrow">예수금 관리</p>
+                <h3>증권사별 예수금</h3>
+                <p className="stock-panel__sub">
+                    증권사별 예수금을 입력하면 총 자산에 자동 반영됩니다.
+                </p>
+            </div>
+        </div>
+
+        {pf.cashList.length > 0 && (
+            <div className="pf-cash-table">
+                {pf.cashList.map((item) => {
+                    const isEditing = pf.cashEditingBroker === item.broker;
+                    return (
+                        <div key={item.id ?? item.broker} className="pf-cash-row">
+                            <span className="pf-cash-broker">{item.broker}</span>
+                            {isEditing ? (
+                                <input
+                                    className="pf-cash-edit-input"
+                                    type="number"
+                                    min={0}
+                                    step={1}
+                                    value={pf.cashEditingValue}
+                                    onChange={(e) => pf.setCashEditingValue(e.target.value)}
+                                    onKeyDown={(e) => {
+                                        if (e.key === 'Enter') pf.handleCashInlineSave(item.broker);
+                                        if (e.key === 'Escape') pf.handleCashInlineCancel();
+                                    }}
+                                    autoFocus
+                                />
+                            ) : (
+                                <strong className="pf-cash-amount">
+                                    {formatNumber(item.cash)}원
+                                </strong>
+                            )}
+                            <span className="pf-cash-date">
+                                {item.updated_at
+                                    ? new Date(item.updated_at).toLocaleDateString('ko-KR')
+                                    : ''}
+                            </span>
+                            {isEditing ? (
+                                <>
+                                    <button
+                                        className="button primary small"
+                                        onClick={() => pf.handleCashInlineSave(item.broker)}
+                                        disabled={pf.cashEditSaving}
+                                    >
+                                        {pf.cashEditSaving ? '저장 중' : '저장'}
+                                    </button>
+                                    <button
+                                        className="button ghost small"
+                                        onClick={pf.handleCashInlineCancel}
+                                        disabled={pf.cashEditSaving}
+                                    >
+                                        취소
+                                    </button>
+                                </>
+                            ) : (
+                                <>
+                                    <button
+                                        className="button ghost small"
+                                        onClick={() => pf.handleCashInlineEdit(item)}
+                                        title="수정"
+                                    >
+                                        ✏️
+                                    </button>
+                                    <button
+                                        className="button ghost small pf-btn-danger"
+                                        onClick={() => pf.handleCashDelete(item.broker)}
+                                        title="삭제"
+                                    >
+                                        🗑️
+                                    </button>
+                                </>
+                            )}
+                        </div>
+                    );
+                })}
+            </div>
+        )}
+        {pf.cashList.length === 0 && (
+            <p className="stock-empty" style={{ fontSize: 13 }}>
+                등록된 예수금이 없습니다.
+            </p>
+        )}
+
+        <form className="pf-cash-form" onSubmit={pf.handleCashSave}>
+            <label>
+                증권사명
+                <input
+                    type="text"
+                    value={pf.cashForm.broker}
+                    onChange={(e) =>
+                        pf.setCashForm((p) => ({ ...p, broker: e.target.value }))
+                    }
+                    placeholder="KB증권"
+                    required
+                />
+            </label>
+            <label>
+                예수금 (원)
+                <input
+                    type="number"
+                    min={0}
+                    step={1}
+                    value={pf.cashForm.cash}
+                    onChange={(e) =>
+                        pf.setCashForm((p) => ({ ...p, cash: e.target.value }))
+                    }
+                    placeholder="1500000"
+                    required
+                />
+            </label>
+            <button
+                className="button primary"
+                type="submit"
+                disabled={pf.cashSaving}
+            >
+                {pf.cashSaving ? '저장 중...' : '저장'}
+            </button>
+            {pf.cashError && <p className="stock-error">{pf.cashError}</p>}
+        </form>
+    </section>
+);
+
+export default CashPanel;