diff --git a/src/pages/listings/components/ToolsTab.jsx b/src/pages/listings/components/ToolsTab.jsx
new file mode 100644
index 0000000..6847fcb
--- /dev/null
+++ b/src/pages/listings/components/ToolsTab.jsx
@@ -0,0 +1,161 @@
+import React, { useState } from 'react';
+import { safetyCheck, budgetCalc } from '../../../api';
+import { tierMeta, formatMoney, formatRatio } from '../listingsUtils';
+
+const DEAL_TYPES = ['전세', '반전세', '매매'];
+
+/* ── 안전마진 체커 ── */
+const SafetyCard = () => {
+  const [form, setForm] = useState({ area: '', deal_type: '전세', amount: '', dong: '' });
+  const [res, setRes] = useState(null);
+  const [loading, setLoading] = useState(false);
+  const [error, setError] = useState('');
+  const set = (k, v) => setForm((f) => ({ ...f, [k]: v }));
+
+  const submit = async (e) => {
+    e.preventDefault();
+    if (!form.area || !form.amount) return;
+    setLoading(true); setError(''); setRes(null);
+    try {
+      const r = await safetyCheck({
+        area: Number(form.area), deal_type: form.deal_type,
+        amount: Number(form.amount), dong: form.dong || undefined,
+      });
+      setRes(r);
+    } catch (e2) { setError(e2?.message ?? String(e2)); }
+    finally { setLoading(false); }
+  };
+
+  const isSale = form.deal_type === '매매';
+  const meta = res ? tierMeta(isSale ? 'valuation' : 'safety', res.tier) : null;
+
+  return (
+    <section className="lst-panel">
+      <h3 className="lst-panel__title">안전마진 체커</h3>
+      <p className="lst-panel__sub">면적·거래유형·금액으로 전세가율/호가율 적정성을 즉시 판정합니다.</p>
+      <form className="lst-form" onSubmit={submit}>
+        <input className="lst-input" placeholder="면적(m²)" value={form.area}
+          onChange={(e) => set('area', e.target.value)} />
+        <select className="lst-input" value={form.deal_type} onChange={(e) => set('deal_type', e.target.value)}>
+          {DEAL_TYPES.map((d) => <option key={d} value={d}>{d}</option>)}
+        </select>
+        <input className="lst-input" placeholder="금액(만원)" value={form.amount}
+          onChange={(e) => set('amount', e.target.value)} />
+        <input className="lst-input" placeholder="동(선택)" value={form.dong}
+          onChange={(e) => set('dong', e.target.value)} />
+        <button className="lst-filter-btn is-primary" type="submit" disabled={loading || !form.area || !form.amount}>
+          {loading ? '판정 중…' : '판정'}
+        </button>
+      </form>
+      {error && <p className="lst-error">{error}</p>}
+      {res && (
+        <div className="lst-result">
+          <div className="lst-result__row">
+            <span className="lst-tier" style={{ color: meta.color }}>{meta.emoji} {meta.label}</span>
+            {res.ratio != null && <span>비율 {formatRatio(res.ratio)}</span>}
+            {res.median != null && <span>중앙값 {formatMoney(res.median)}</span>}
+            {res.sample != null && <span>표본 {res.sample}건</span>}
+            {res.is_toheo && <span className="lst-flag">토지거래허가</span>}
+          </div>
+          {res.disclaimer && <p className="lst-disclaimer">※ {res.disclaimer}</p>}
+        </div>
+      )}
+    </section>
+  );
+};
+
+/* ── 예산 계산기 ── */
+const BudgetCard = () => {
+  const [form, setForm] = useState({
+    equity: '', annual_income: '', is_homeless: true, is_householder: true, is_first_home: false, target_dong: '',
+  });
+  const [res, setRes] = useState(null);
+  const [loading, setLoading] = useState(false);
+  const [error, setError] = useState('');
+  const set = (k, v) => setForm((f) => ({ ...f, [k]: v }));
+
+  const submit = async (e) => {
+    e.preventDefault();
+    if (!form.equity) return;
+    setLoading(true); setError(''); setRes(null);
+    try {
+      const r = await budgetCalc({
+        equity: Number(form.equity),
+        annual_income: form.annual_income ? Number(form.annual_income) : null,
+        is_homeless: form.is_homeless ? 1 : 0,
+        is_householder: form.is_householder ? 1 : 0,
+        is_first_home: form.is_first_home ? 1 : 0,
+        target_dong: form.target_dong || undefined,
+      });
+      setRes(r);
+    } catch (e2) { setError(e2?.message ?? String(e2)); }
+    finally { setLoading(false); }
+  };
+
+  return (
+    <section className="lst-panel">
+      <h3 className="lst-panel__title">예산 계산기</h3>
+      <p className="lst-panel__sub">자기자본·소득 기준 전세/매매 한도와 지역 규제를 계산합니다.</p>
+      <form className="lst-form" onSubmit={submit}>
+        <input className="lst-input" placeholder="자기자본(만원)" value={form.equity}
+          onChange={(e) => set('equity', e.target.value)} />
+        <input className="lst-input" placeholder="연소득(만원, 선택)" value={form.annual_income}
+          onChange={(e) => set('annual_income', e.target.value)} />
+        <input className="lst-input" placeholder="대상 동(선택)" value={form.target_dong}
+          onChange={(e) => set('target_dong', e.target.value)} />
+        <label className="lst-check"><input type="checkbox" checked={form.is_homeless}
+          onChange={(e) => set('is_homeless', e.target.checked)} /> 무주택</label>
+        <label className="lst-check"><input type="checkbox" checked={form.is_householder}
+          onChange={(e) => set('is_householder', e.target.checked)} /> 세대주</label>
+        <label className="lst-check"><input type="checkbox" checked={form.is_first_home}
+          onChange={(e) => set('is_first_home', e.target.checked)} /> 생애최초</label>
+        <button className="lst-filter-btn is-primary" type="submit" disabled={loading || !form.equity}>
+          {loading ? '계산 중…' : '계산'}
+        </button>
+      </form>
+      {error && <p className="lst-error">{error}</p>}
+      {res && (
+        <div className="lst-result">
+          {res.jeonse && (
+            <div className="lst-result__block">
+              <strong>전세</strong>
+              <span>대출한도 {formatMoney(res.jeonse.loan_limit)}</span>
+              <span>최대 보증금 {formatMoney(res.jeonse.max_deposit)}</span>
+              {res.jeonse.notes && <span className="lst-note">{res.jeonse.notes}</span>}
+            </div>
+          )}
+          {res.purchase && (
+            <div className="lst-result__block">
+              <strong>매매</strong>
+              {res.purchase.ltv_pct != null && <span>LTV {res.purchase.ltv_pct}%</span>}
+              <span>대출한도 {formatMoney(res.purchase.loan_cap)}</span>
+              <span>최대 매수가 {formatMoney(res.purchase.max_price)}</span>
+              {res.purchase.dsr_note && <span className="lst-note">{res.purchase.dsr_note}</span>}
+              {Array.isArray(res.purchase.regulation_flags) && res.purchase.regulation_flags.length > 0 && (
+                <div className="lst-flags">{res.purchase.regulation_flags.map((f, i) => <span key={i} className="lst-flag">{f}</span>)}</div>
+              )}
+            </div>
+          )}
+          {res.region && (
+            <div className="lst-result__block">
+              <strong>지역</strong>
+              {res.region.is_toheo && <span className="lst-flag">토지거래허가</span>}
+              {res.region.is_regulated && <span className="lst-flag">규제지역</span>}
+              {res.region.notes && <span className="lst-note">{res.region.notes}</span>}
+            </div>
+          )}
+          {res.disclaimer && <p className="lst-disclaimer">※ {res.disclaimer}</p>}
+        </div>
+      )}
+    </section>
+  );
+};
+
+const ToolsTab = () => (
+  <div className="lst-tools">
+    <SafetyCard />
+    <BudgetCard />
+  </div>
+);
+
+export default ToolsTab;
diff --git a/src/pages/listings/components/ToolsTab.test.jsx b/src/pages/listings/components/ToolsTab.test.jsx
new file mode 100644
index 0000000..285c7b7
--- /dev/null
+++ b/src/pages/listings/components/ToolsTab.test.jsx
@@ -0,0 +1,17 @@
+import { describe, it, expect, vi, beforeEach } from 'vitest';
+import { render, screen } from '@testing-library/react';
+
+vi.mock('../../../api', () => ({ safetyCheck: vi.fn(), budgetCalc: vi.fn() }));
+import ToolsTab from './ToolsTab.jsx';
+
+beforeEach(() => vi.clearAllMocks());
+
+describe('ToolsTab', () => {
+  it('안전마진·예산 카드 헤딩과 disclaimer 안내를 렌더', () => {
+    render(<ToolsTab />);
+    expect(screen.getByText('안전마진 체커')).toBeInTheDocument();
+    expect(screen.getByText('예산 계산기')).toBeInTheDocument();
+    // 제출 버튼 존재
+    expect(screen.getAllByRole('button', { name: /판정|계산/ }).length).toBeGreaterThan(0);
+  });
+});