diff --git a/app/Http/Controllers/Finance/CorporateCardController.php b/app/Http/Controllers/Finance/CorporateCardController.php
index ff6f493b..9c6b1d4c 100644
--- a/app/Http/Controllers/Finance/CorporateCardController.php
+++ b/app/Http/Controllers/Finance/CorporateCardController.php
@@ -216,13 +216,21 @@ public function summary(): JsonResponse
         $creditCard = $activeCards->firstWhere('card_type', 'credit');
         $paymentDay = $creditCard ? $creditCard->payment_day : 15;
 
-        // 휴일 조정 결제일 계산
+        // 휴일 조정 결제일 계산 (현재 월)
         $originalDate = $this->createPaymentDate($now->year, $now->month, $paymentDay);
         $adjustedDate = $this->getAdjustedPaymentDate($tenantId, $now->year, $now->month, $paymentDay);
+
+        // 현재일이 결제일을 지났으면 다음 월로 이동
+        if ($now->greaterThan($adjustedDate)) {
+            $nextMonth = $now->copy()->addMonth();
+            $originalDate = $this->createPaymentDate($nextMonth->year, $nextMonth->month, $paymentDay);
+            $adjustedDate = $this->getAdjustedPaymentDate($tenantId, $nextMonth->year, $nextMonth->month, $paymentDay);
+        }
+
         $isAdjusted = !$originalDate->isSameDay($adjustedDate);
 
-        // 청구기간: 전월 1일 ~ 당월 결제일(조정후)
-        $billingStart = $now->copy()->subMonth()->startOfMonth();
+        // 청구기간: 결제일 기준 전월 1일 ~ 결제일
+        $billingStart = $adjustedDate->copy()->subMonth()->startOfMonth();
         $billingEnd = $adjustedDate->copy();
 
         // 카드번호 목록
@@ -236,8 +244,8 @@ public function summary(): JsonResponse
             $cardNumbers
         );
 
-        // 선불결제 금액
-        $yearMonth = $now->format('Y-m');
+        // 선불결제 금액 (결제일 기준 월)
+        $yearMonth = $adjustedDate->format('Y-m');
         $prepayment = CorporateCardPrepayment::getOrCreate($tenantId, $yearMonth);
 
         return response()->json([