diff --git a/app/Http/Controllers/Finance/SettlementController.php b/app/Http/Controllers/Finance/SettlementController.php
index c1146732..2b6f6b61 100644
--- a/app/Http/Controllers/Finance/SettlementController.php
+++ b/app/Http/Controllers/Finance/SettlementController.php
@@ -173,10 +173,11 @@ public function customerTab(Request $request): View
     {
         $query = SalesTenantManagement::with([
             'tenant',
-            'tenantProspect',
+            'tenantProspect.registeredBy.salesPartner',
             'salesPartner.user',
             'manager',
             'commissions',
+            'contractProducts',
         ])->where('hq_status', '!=', SalesTenantManagement::HQ_STATUS_PENDING);
 
         // 필터: 검색 (회사명)
@@ -192,9 +193,14 @@ public function customerTab(Request $request): View
             $query->where('hq_status', $hqStatus);
         }
 
-        // 필터: 담당 파트너
+        // 필터: 담당 파트너 (salesPartner 또는 tenantProspect.registeredBy.salesPartner)
         if ($partnerId = $request->input('partner_id')) {
-            $query->where('sales_partner_id', $partnerId);
+            $query->where(function ($q) use ($partnerId) {
+                $q->where('sales_partner_id', $partnerId)
+                  ->orWhereHas('tenantProspect.registeredBy.salesPartner', function ($sq) use ($partnerId) {
+                      $sq->where('id', $partnerId);
+                  });
+            });
         }
 
         // 필터: 수금 상태
diff --git a/resources/views/finance/settlement/partials/customer-tab.blade.php b/resources/views/finance/settlement/partials/customer-tab.blade.php
index bfe137b9..9120ead6 100644
--- a/resources/views/finance/settlement/partials/customer-tab.blade.php
+++ b/resources/views/finance/settlement/partials/customer-tab.blade.php
@@ -93,9 +93,41 @@ class="w-full rounded-lg border-gray-300 focus:border-indigo-500 focus:ring-indi
                 <tbody class="bg-white divide-y divide-gray-200">
                     @forelse ($managements as $mgmt)
                         @php
-                            $companyName = $mgmt->tenant->company_name ?? $mgmt->tenantProspect->company_name ?? '-';
+                            $companyName = $mgmt->tenant?->company_name ?? $mgmt->tenantProspect?->company_name ?? '-';
                             $tenantActive = $mgmt->tenant && !$mgmt->tenant->trashed();
+
+                            // 개발비 총액 (management 직접 값 → contractProducts 합산)
+                            $totalFee = $mgmt->total_registration_fee > 0
+                                ? $mgmt->total_registration_fee
+                                : ($mgmt->contractProducts?->sum('registration_fee') ?? 0);
+
+                            // 계약금/잔금 기본값 (총개발비의 50%)
+                            $calcBase = $totalFee / 2;
+
+                            // 계약금
+                            $depositAmount = $mgmt->deposit_amount > 0
+                                ? $mgmt->deposit_amount
+                                : ($totalFee > 0 ? $calcBase : 0);
+
+                            // 잔금
+                            $balanceAmount = $mgmt->balance_amount > 0
+                                ? $mgmt->balance_amount
+                                : ($totalFee > 0 ? $calcBase : 0);
+
+                            // 구독료 (tenant 기반 조회 → contractProducts fallback)
                             $monthlyFee = $subscriptionFees[$mgmt->tenant_id] ?? 0;
+                            if ($monthlyFee <= 0) {
+                                $monthlyFee = $mgmt->contractProducts?->sum('subscription_fee') ?? 0;
+                            }
+
+                            // 담당파트너 (salesPartner → tenantProspect.registeredBy)
+                            $partnerName = $mgmt->salesPartner?->user?->name
+                                ?? $mgmt->tenantProspect?->registeredBy?->name
+                                ?? '-';
+
+                            // 담당매니저
+                            $managerName = $mgmt->manager?->name ?? '-';
+
                             $firstSubscriptionAt = $mgmt->commissions->first()?->first_subscription_at;
                         @endphp
                         <tr class="hover:bg-gray-50">
@@ -113,18 +145,18 @@ class="w-full rounded-lg border-gray-300 focus:border-indigo-500 focus:ring-indi
 
                             {{-- 담당파트너 --}}
                             <td class="px-4 py-3 text-sm text-gray-900">
-                                {{ $mgmt->salesPartner?->user?->name ?? '-' }}
+                                {{ $partnerName }}
                             </td>
 
                             {{-- 담당매니저 --}}
                             <td class="px-4 py-3 text-sm text-gray-900">
-                                {{ $mgmt->manager?->name ?? '-' }}
+                                {{ $managerName }}
                             </td>
 
                             {{-- 개발비 총액 --}}
                             <td class="px-4 py-3 text-sm text-right font-medium text-gray-900">
-                                @if ($mgmt->total_registration_fee > 0)
-                                    {{ number_format($mgmt->total_registration_fee) }}원
+                                @if ($totalFee > 0)
+                                    {{ number_format($totalFee) }}원
                                 @else
                                     <span class="text-gray-400">-</span>
                                 @endif
@@ -132,8 +164,8 @@ class="w-full rounded-lg border-gray-300 focus:border-indigo-500 focus:ring-indi
 
                             {{-- 1차(계약금) --}}
                             <td class="px-4 py-3 text-sm text-right">
-                                @if ($mgmt->deposit_amount > 0)
-                                    <div class="font-medium text-gray-900">{{ number_format($mgmt->deposit_amount) }}원</div>
+                                @if ($depositAmount > 0)
+                                    <div class="font-medium text-gray-900">{{ number_format($depositAmount) }}원</div>
                                     @if ($mgmt->deposit_status === 'paid')
                                         <span class="inline-flex items-center px-1.5 py-0.5 rounded text-xs font-medium bg-green-100 text-green-700">완료</span>
                                     @else
@@ -149,8 +181,8 @@ class="w-full rounded-lg border-gray-300 focus:border-indigo-500 focus:ring-indi
 
                             {{-- 2차(잔금) --}}
                             <td class="px-4 py-3 text-sm text-right">
-                                @if ($mgmt->balance_amount > 0)
-                                    <div class="font-medium text-gray-900">{{ number_format($mgmt->balance_amount) }}원</div>
+                                @if ($balanceAmount > 0)
+                                    <div class="font-medium text-gray-900">{{ number_format($balanceAmount) }}원</div>
                                     @if ($mgmt->balance_status === 'paid')
                                         <span class="inline-flex items-center px-1.5 py-0.5 rounded text-xs font-medium bg-green-100 text-green-700">완료</span>
                                     @else