diff --git a/database/seeders/BankAccountSeeder.php b/database/seeders/BankAccountSeeder.php
new file mode 100644
index 00000000..718977eb
--- /dev/null
+++ b/database/seeders/BankAccountSeeder.php
@@ -0,0 +1,282 @@
+<?php
+
+namespace Database\Seeders;
+
+use Illuminate\Database\Seeder;
+use Illuminate\Support\Facades\DB;
+
+class BankAccountSeeder extends Seeder
+{
+    /**
+     * Run the database seeds.
+     */
+    public function run(): void
+    {
+        // 테넌트 ID 1 (코드보잇지엑스) 기준으로 테스트 데이터 생성
+        $tenantId = 1;
+        $userId = 1; // 관리자
+
+        // 계좌 데이터 (기존 테이블 구조에 맞게 수정)
+        $accounts = [
+            [
+                'tenant_id' => $tenantId,
+                'bank_code' => '004',
+                'bank_name' => '국민은행',
+                'account_number' => '123-456-789012',
+                'account_holder' => '주식회사 코드보잇지엑스',
+                'account_name' => '주거래 계좌',
+                'account_type' => '보통예금',
+                'balance' => 450000000, // 4.5억
+                'currency' => 'KRW',
+                'opened_at' => '2023-01-15',
+                'last_transaction_at' => '2026-01-15 14:30:00',
+                'branch_name' => '역삼지점',
+                'memo' => '주거래 계좌',
+                'status' => 'active',
+                'is_primary' => true,
+                'sort_order' => 1,
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+            [
+                'tenant_id' => $tenantId,
+                'bank_code' => '088',
+                'bank_name' => '신한은행',
+                'account_number' => '234-567-890123',
+                'account_holder' => '주식회사 코드보잇지엑스',
+                'account_name' => '법인카드 결제',
+                'account_type' => '법인카드 출금',
+                'balance' => 90000000, // 9천만원
+                'currency' => 'KRW',
+                'opened_at' => '2023-01-15',
+                'last_transaction_at' => '2026-01-15 11:20:00',
+                'branch_name' => '강남지점',
+                'memo' => '법인카드 결제 계좌',
+                'status' => 'active',
+                'is_primary' => false,
+                'sort_order' => 2,
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+            [
+                'tenant_id' => $tenantId,
+                'bank_code' => '020',
+                'bank_name' => '우리은행',
+                'account_number' => '345-678-901234',
+                'account_holder' => '주식회사 코드보잇지엑스',
+                'account_name' => '정기예금',
+                'account_type' => '정기예금',
+                'balance' => 200000000, // 2억
+                'currency' => 'KRW',
+                'opened_at' => '2024-06-01',
+                'last_transaction_at' => '2026-01-01 09:00:00',
+                'branch_name' => '테헤란로지점',
+                'memo' => '정기예금 (만기 2027-06-01)',
+                'status' => 'active',
+                'is_primary' => false,
+                'sort_order' => 3,
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+            [
+                'tenant_id' => $tenantId,
+                'bank_code' => '081',
+                'bank_name' => '하나은행',
+                'account_number' => '456-789-012345',
+                'account_holder' => '주식회사 코드보잇지엑스',
+                'account_name' => '급여계좌',
+                'account_type' => '보통예금',
+                'balance' => 75000000, // 7천5백만원
+                'currency' => 'KRW',
+                'opened_at' => '2023-03-20',
+                'last_transaction_at' => '2026-01-14 16:45:00',
+                'branch_name' => '선릉역지점',
+                'memo' => '급여 지급 계좌',
+                'status' => 'active',
+                'is_primary' => false,
+                'sort_order' => 4,
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+            [
+                'tenant_id' => $tenantId,
+                'bank_code' => '011',
+                'bank_name' => '농협은행',
+                'account_number' => '567-890-123456',
+                'account_holder' => '주식회사 코드보잇지엑스',
+                'account_name' => '퇴직금 적금',
+                'account_type' => '적금',
+                'balance' => 50000000, // 5천만원
+                'currency' => 'KRW',
+                'opened_at' => '2024-01-01',
+                'last_transaction_at' => '2026-01-10 10:00:00',
+                'branch_name' => '강남중앙지점',
+                'memo' => '직원 퇴직금 적립',
+                'status' => 'active',
+                'is_primary' => false,
+                'sort_order' => 5,
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+        ];
+
+        // 계좌 데이터 삽입
+        $accountIds = [];
+        foreach ($accounts as $account) {
+            $id = DB::table('bank_accounts')->insertGetId($account);
+            $accountIds[$account['account_number']] = $id;
+        }
+
+        $this->command->info('계좌 5개 생성 완료');
+
+        // 거래내역 데이터 (국민은행 계좌 기준)
+        $transactions = [
+            [
+                'tenant_id' => $tenantId,
+                'bank_account_id' => $accountIds['123-456-789012'],
+                'transaction_type' => 'deposit',
+                'amount' => 50000000,
+                'balance_after' => 450000000,
+                'transaction_date' => '2026-01-15',
+                'transaction_time' => '14:30:00',
+                'description' => '프로젝트 대금 입금',
+                'counterparty' => '주식회사 클라이언트A',
+                'reference_number' => 'INV-2026-0115',
+                'category' => '매출',
+                'is_reconciled' => true,
+                'reconciled_at' => '2026-01-15 15:00:00',
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+            [
+                'tenant_id' => $tenantId,
+                'bank_account_id' => $accountIds['123-456-789012'],
+                'transaction_type' => 'withdrawal',
+                'amount' => 5000000,
+                'balance_after' => 400000000,
+                'transaction_date' => '2026-01-14',
+                'transaction_time' => '11:20:00',
+                'description' => '사무실 임대료',
+                'counterparty' => '강남빌딩관리(주)',
+                'reference_number' => 'RENT-2026-01',
+                'category' => '임대료',
+                'is_reconciled' => true,
+                'reconciled_at' => '2026-01-14 14:00:00',
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+            [
+                'tenant_id' => $tenantId,
+                'bank_account_id' => $accountIds['123-456-789012'],
+                'transaction_type' => 'transfer',
+                'amount' => 30000000,
+                'balance_after' => 405000000,
+                'transaction_date' => '2026-01-13',
+                'transaction_time' => '09:00:00',
+                'description' => '급여계좌 이체',
+                'counterparty' => '하나은행 급여계좌',
+                'reference_number' => 'TRF-2026-0113',
+                'category' => '급여',
+                'is_reconciled' => true,
+                'reconciled_at' => '2026-01-13 10:00:00',
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+            [
+                'tenant_id' => $tenantId,
+                'bank_account_id' => $accountIds['123-456-789012'],
+                'transaction_type' => 'deposit',
+                'amount' => 25000000,
+                'balance_after' => 435000000,
+                'transaction_date' => '2026-01-10',
+                'transaction_time' => '16:45:00',
+                'description' => '유지보수 계약금',
+                'counterparty' => '주식회사 클라이언트B',
+                'reference_number' => 'MAINT-2026-001',
+                'category' => '매출',
+                'is_reconciled' => false,
+                'reconciled_at' => null,
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+            [
+                'tenant_id' => $tenantId,
+                'bank_account_id' => $accountIds['123-456-789012'],
+                'transaction_type' => 'withdrawal',
+                'amount' => 2500000,
+                'balance_after' => 410000000,
+                'transaction_date' => '2026-01-08',
+                'transaction_time' => '14:00:00',
+                'description' => '클라우드 서비스 이용료',
+                'counterparty' => 'AWS Korea',
+                'reference_number' => 'AWS-2026-01',
+                'category' => '운영비',
+                'is_reconciled' => false,
+                'reconciled_at' => null,
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+        ];
+
+        // 거래내역 삽입
+        DB::table('bank_transactions')->insert($transactions);
+
+        $this->command->info('거래내역 5개 생성 완료');
+
+        // 신한은행 거래내역
+        $shinhanTransactions = [
+            [
+                'tenant_id' => $tenantId,
+                'bank_account_id' => $accountIds['234-567-890123'],
+                'transaction_type' => 'withdrawal',
+                'amount' => 1500000,
+                'balance_after' => 90000000,
+                'transaction_date' => '2026-01-15',
+                'transaction_time' => '11:20:00',
+                'description' => '법인카드 결제',
+                'counterparty' => '신한카드',
+                'reference_number' => 'CARD-2026-0115',
+                'category' => '카드결제',
+                'is_reconciled' => true,
+                'reconciled_at' => '2026-01-15 12:00:00',
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+            [
+                'tenant_id' => $tenantId,
+                'bank_account_id' => $accountIds['234-567-890123'],
+                'transaction_type' => 'deposit',
+                'amount' => 10000000,
+                'balance_after' => 91500000,
+                'transaction_date' => '2026-01-10',
+                'transaction_time' => '09:30:00',
+                'description' => '카드결제계좌 입금',
+                'counterparty' => '국민은행 주거래계좌',
+                'reference_number' => 'TRF-2026-0110',
+                'category' => '이체',
+                'is_reconciled' => true,
+                'reconciled_at' => '2026-01-10 10:00:00',
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+        ];
+
+        DB::table('bank_transactions')->insert($shinhanTransactions);
+
+        $this->command->info('신한은행 거래내역 2개 생성 완료');
+
+        $this->command->info('BankAccountSeeder 완료: 계좌 5개, 거래내역 7개');
+    }
+}
diff --git a/database/seeders/FundScheduleSeeder.php b/database/seeders/FundScheduleSeeder.php
new file mode 100644
index 00000000..d0e98e34
--- /dev/null
+++ b/database/seeders/FundScheduleSeeder.php
@@ -0,0 +1,160 @@
+<?php
+
+namespace Database\Seeders;
+
+use Illuminate\Database\Seeder;
+use Illuminate\Support\Facades\DB;
+
+class FundScheduleSeeder extends Seeder
+{
+    /**
+     * Run the database seeds.
+     */
+    public function run(): void
+    {
+        // 테넌트 ID 1 (코드보잇지엑스) 기준으로 테스트 데이터 생성
+        $tenantId = 1;
+        $userId = 1; // 관리자
+
+        // 현재 월 기준으로 데이터 생성
+        $year = now()->year;
+        $month = now()->month;
+
+        // 자금계획일정 데이터
+        $schedules = [
+            // 입금 예정
+            [
+                'tenant_id' => $tenantId,
+                'title' => '(주)스마트팩토리 개발비 1차',
+                'description' => 'ERP 시스템 개발 프로젝트 1차 중도금',
+                'schedule_type' => 'income',
+                'scheduled_date' => sprintf('%04d-%02d-10', $year, $month),
+                'amount' => 100000000, // 1억원
+                'currency' => 'KRW',
+                'counterparty' => '(주)스마트팩토리',
+                'category' => '매출',
+                'status' => 'pending',
+                'is_recurring' => false,
+                'recurrence_rule' => null,
+                'memo' => '계약서 기준 착수금 30%, 중도금 40%, 잔금 30%',
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+            [
+                'tenant_id' => $tenantId,
+                'title' => '영업파트너 수수료 지급',
+                'description' => '1월 영업 수수료 정산',
+                'schedule_type' => 'expense',
+                'scheduled_date' => sprintf('%04d-%02d-10', $year, $month),
+                'amount' => 20000000, // 2천만원
+                'currency' => 'KRW',
+                'counterparty' => '영업파트너',
+                'category' => '매입',
+                'status' => 'pending',
+                'is_recurring' => false,
+                'recurrence_rule' => null,
+                'memo' => null,
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+            [
+                'tenant_id' => $tenantId,
+                'title' => '(주)디지털제조 개발비 잔금',
+                'description' => 'MES 시스템 개발 프로젝트 잔금',
+                'schedule_type' => 'income',
+                'scheduled_date' => sprintf('%04d-%02d-15', $year, $month),
+                'amount' => 30000000, // 3천만원
+                'currency' => 'KRW',
+                'counterparty' => '(주)디지털제조',
+                'category' => '매출',
+                'status' => 'pending',
+                'is_recurring' => false,
+                'recurrence_rule' => null,
+                'memo' => '검수 완료 후 지급',
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+            [
+                'tenant_id' => $tenantId,
+                'title' => '직원 급여 지급',
+                'description' => sprintf('%d년 %d월 급여', $year, $month),
+                'schedule_type' => 'expense',
+                'scheduled_date' => sprintf('%04d-%02d-25', $year, $month),
+                'amount' => 25000000, // 2천5백만원
+                'currency' => 'KRW',
+                'counterparty' => '직원',
+                'category' => '급여',
+                'status' => 'pending',
+                'is_recurring' => true,
+                'recurrence_rule' => 'monthly',
+                'memo' => '매월 25일 정기 지급',
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+            [
+                'tenant_id' => $tenantId,
+                'title' => '구독료 CMS 출금',
+                'description' => '클라우드 서비스 월 구독료',
+                'schedule_type' => 'expense',
+                'scheduled_date' => sprintf('%04d-%02d-28', $year, $month),
+                'amount' => 8500000, // 850만원
+                'currency' => 'KRW',
+                'counterparty' => 'AWS/Azure',
+                'category' => '운영비',
+                'status' => 'pending',
+                'is_recurring' => true,
+                'recurrence_rule' => 'monthly',
+                'memo' => 'AWS + Azure 클라우드 비용',
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+            // 다음 달 일정도 추가
+            [
+                'tenant_id' => $tenantId,
+                'title' => '사무실 임대료',
+                'description' => '강남 오피스 임대료',
+                'schedule_type' => 'expense',
+                'scheduled_date' => sprintf('%04d-%02d-05', $month == 12 ? $year + 1 : $year, $month == 12 ? 1 : $month + 1),
+                'amount' => 5000000, // 500만원
+                'currency' => 'KRW',
+                'counterparty' => '강남빌딩관리(주)',
+                'category' => '임대료',
+                'status' => 'pending',
+                'is_recurring' => true,
+                'recurrence_rule' => 'monthly',
+                'memo' => '매월 5일 자동이체',
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+            [
+                'tenant_id' => $tenantId,
+                'title' => '유지보수 계약금 입금',
+                'description' => '연간 유지보수 계약 선금',
+                'schedule_type' => 'income',
+                'scheduled_date' => sprintf('%04d-%02d-15', $month == 12 ? $year + 1 : $year, $month == 12 ? 1 : $month + 1),
+                'amount' => 50000000, // 5천만원
+                'currency' => 'KRW',
+                'counterparty' => '(주)테크솔루션',
+                'category' => '매출',
+                'status' => 'pending',
+                'is_recurring' => false,
+                'recurrence_rule' => null,
+                'memo' => '2026년 연간 유지보수 계약',
+                'created_by' => $userId,
+                'created_at' => now(),
+                'updated_at' => now(),
+            ],
+        ];
+
+        // 데이터 삽입
+        DB::table('fund_schedules')->insert($schedules);
+
+        $this->command->info('FundScheduleSeeder 완료: 자금계획일정 ' . count($schedules) . '개 생성');
+    }
+}