diff --git a/SpendLearning/SpendLearning.xcodeproj/project.pbxproj b/SpendLearning/SpendLearning.xcodeproj/project.pbxproj
index 5bcd060..22f25e7 100644
--- a/SpendLearning/SpendLearning.xcodeproj/project.pbxproj
+++ b/SpendLearning/SpendLearning.xcodeproj/project.pbxproj
@@ -32,15 +32,23 @@
 		BCB415242FF52E7D00C9CABD /* Exceptions for "SpendLearning" folder in "SpendLearningTests" target */ = {
 			isa = PBXFileSystemSynchronizedBuildFileExceptionSet;
 			membershipExceptions = (
-				Source/Domain/Entities/CalendarDay.swift,
-				Source/Domain/Entities/Category.swift,
-				Source/Domain/Entities/Expense.swift,
+				Source/Domain/Entities/AI/AIInsightItem.swift,
+				Source/Domain/Entities/AI/AIModelMetadata.swift,
+				Source/Domain/Entities/AI/CategoryPredictionDataPoint.swift,
+				Source/Domain/Entities/AI/CumulativePrediction.swift,
+				Source/Domain/Entities/Expense/CalendarDay.swift,
+				Source/Domain/Entities/Expense/Category.swift,
+				Source/Domain/Entities/Expense/Expense.swift,
+				Source/Domain/Repositories/AIRepositoryProtocol.swift,
 				Source/Domain/Repositories/CategoryRepositoryProtocol.swift,
 				Source/Domain/Repositories/ExpenseRepositoryProtocol.swift,
+				Source/Domain/UseCases/AIUseCase.swift,
+				Source/Domain/UseCases/AIUseCaseProtocol.swift,
 				Source/Domain/UseCases/CategoryUseCase.swift,
 				Source/Domain/UseCases/CategoryUseCaseProtocol.swift,
 				Source/Domain/UseCases/ExpenseUseCase.swift,
 				Source/Domain/UseCases/ExpenseUseCaseProtocol.swift,
+				Source/Presentation/View/AI/AIViewModel.swift,
 				Source/Presentation/View/Home/HomeViewModel.swift,
 				Source/Presentation/View/NewExpense/NewExpenseViewModel.swift,
 				Source/Presentation/View/Settings/SettingsViewModel.swift,
diff --git a/SpendLearning/SpendLearning/Source/App/SceneDelegate.swift b/SpendLearning/SpendLearning/Source/App/SceneDelegate.swift
index c5d096a..1fc71d1 100644
--- a/SpendLearning/SpendLearning/Source/App/SceneDelegate.swift
+++ b/SpendLearning/SpendLearning/Source/App/SceneDelegate.swift
@@ -36,7 +36,8 @@ class SceneDelegate: UIResponder, UIWindowSceneDelegate {
         let categoryRepository = SwiftDataCategoryRepository(modelContext: modelContext)
         let categoryUseCase = CategoryUseCase(repository: categoryRepository)
 
-        let expenseRepository = SwiftDataExpenseRepository(modelContext: modelContext, categoryRepository: categoryRepository)
+         let expenseRepository = MockExpenseRepository()
+//        let expenseRepository = SwiftDataExpenseRepository(modelContext: modelContext, categoryRepository: categoryRepository)
         let expenseUseCase = ExpenseUseCase(repository: expenseRepository)
 
         let homeViewModel = HomeViewModel(expenseUseCase: expenseUseCase)
@@ -47,7 +48,9 @@ class SceneDelegate: UIResponder, UIWindowSceneDelegate {
             selectedImage: UIImage(systemName: "house.fill")
         )
 
-        let aiViewController = UIHostingController(rootView: AIView())
+        let aiUseCase = AIUseCase(repository: MockAIRepository())
+        let aiViewModel = AIViewModel(expenseUseCase: expenseUseCase, aiUseCase: aiUseCase)
+        let aiViewController = UIHostingController(rootView: AIView(viewModel: aiViewModel))
         aiViewController.tabBarItem = UITabBarItem(
             title: "예측",
             image: UIImage(systemName: "brain"),
diff --git a/SpendLearning/SpendLearning/Source/Data/Repositories/MockAIRepository.swift b/SpendLearning/SpendLearning/Source/Data/Repositories/MockAIRepository.swift
new file mode 100644
index 0000000..6c6d5dd
--- /dev/null
+++ b/SpendLearning/SpendLearning/Source/Data/Repositories/MockAIRepository.swift
@@ -0,0 +1,55 @@
+//
+//  MockAIRepository.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/14/26.
+//
+
+import Foundation
+
+final class MockAIRepository: AIRepositoryProtocol {
+
+    private let models: [AIModelMetadata] = [
+        AIModelMetadata(id: "SP260714", dataCount: 1204, accuracy: 82, createdAt: Date()),
+        AIModelMetadata(id: "SP260614", dataCount: 980,  accuracy: 76, createdAt: Calendar.current.date(byAdding: .month, value: -1, to: Date()) ?? Date()),
+        AIModelMetadata(id: "SP260514", dataCount: 750,  accuracy: 71, createdAt: Calendar.current.date(byAdding: .month, value: -2, to: Date()) ?? Date()),
+    ]
+
+    func fetchModels() async -> [AIModelMetadata] {
+        models
+    }
+
+    func fetchCurrentModel() async -> AIModelMetadata? {
+        models.first
+    }
+
+    func fetchInsights() async -> [AIInsightItem] {
+        [
+            AIInsightItem(type: .abnormal, description: "이번 주 카페 지출이 평소보다 2.1배 많아요"),
+            AIInsightItem(type: .forecast, description: "매주 월요일 교통비가 나가는 패턴이에요"),
+            AIInsightItem(type: .unrecorded, description: "지난주 이맘때 교통비가 있었는데 이번 주엔 없네요"),
+        ]
+    }
+
+    func fetchDailyPredictions(year: Int, month: Int) async -> [Int: Int] {
+        [
+            1: 15000,  2: 18000,  3: 12000,  4: 22000,  5: 19000,
+            6: 8000,   7: 25000,  8: 17000,  9: 21000,  10: 14000,
+            11: 19000, 12: 23000, 13: 16000, 14: 20000, 15: 18000,
+            16: 22000, 17: 15000, 18: 19000, 19: 24000, 20: 17000,
+            21: 21000, 22: 18000, 23: 16000, 24: 22000, 25: 20000,
+            26: 15000, 27: 19000, 28: 23000, 29: 17000, 30: 21000,
+            31: 18000,
+        ]
+    }
+
+    func fetchCategoryPredictions(year: Int, month: Int) async -> [String: Int] {
+        [
+            "식비": 280000,
+            "카페/간식": 45000,
+            "교통": 60000,
+            "쇼핑": 200000,
+            "의료/건강": 30000,
+        ]
+    }
+}
diff --git a/SpendLearning/SpendLearning/Source/Domain/Entities/AI/AIInsightItem.swift b/SpendLearning/SpendLearning/Source/Domain/Entities/AI/AIInsightItem.swift
new file mode 100644
index 0000000..e3fdb2a
--- /dev/null
+++ b/SpendLearning/SpendLearning/Source/Domain/Entities/AI/AIInsightItem.swift
@@ -0,0 +1,23 @@
+//
+//  AIInsightItem.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/14/26.
+//
+
+enum AIInsightItemType {
+    case abnormal, forecast, unrecorded
+
+    var title: String {
+        switch self {
+        case .abnormal: return "이상 지출 감지"
+        case .forecast: return "지출 예고"
+        case .unrecorded: return "미기록 감지"
+        }
+    }
+}
+
+struct AIInsightItem {
+    let type: AIInsightItemType
+    let description: String
+}
diff --git a/SpendLearning/SpendLearning/Source/Domain/Entities/AI/AIModelMetadata.swift b/SpendLearning/SpendLearning/Source/Domain/Entities/AI/AIModelMetadata.swift
new file mode 100644
index 0000000..b7f9ded
--- /dev/null
+++ b/SpendLearning/SpendLearning/Source/Domain/Entities/AI/AIModelMetadata.swift
@@ -0,0 +1,15 @@
+//
+//  AIModelMetadata.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/14/26.
+//
+
+import Foundation
+
+struct AIModelMetadata {
+    let id: String
+    let dataCount: Int
+    let accuracy: Float
+    let createdAt: Date
+}
diff --git a/SpendLearning/SpendLearning/Source/Domain/Entities/AI/CategoryPredictionDataPoint.swift b/SpendLearning/SpendLearning/Source/Domain/Entities/AI/CategoryPredictionDataPoint.swift
new file mode 100644
index 0000000..ec03ef3
--- /dev/null
+++ b/SpendLearning/SpendLearning/Source/Domain/Entities/AI/CategoryPredictionDataPoint.swift
@@ -0,0 +1,12 @@
+//
+//  CategoryPredictionDataPoint.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/14/26.
+//
+
+struct CategoryPredictionDataPoint {
+    let categoryName: String
+    let actual: Int
+    let predicted: Int?
+}
diff --git a/SpendLearning/SpendLearning/Source/Domain/Entities/AI/CumulativePrediction.swift b/SpendLearning/SpendLearning/Source/Domain/Entities/AI/CumulativePrediction.swift
new file mode 100644
index 0000000..d5382a4
--- /dev/null
+++ b/SpendLearning/SpendLearning/Source/Domain/Entities/AI/CumulativePrediction.swift
@@ -0,0 +1,12 @@
+//
+//  CumulativePrediction.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/14/26.
+//
+
+struct CumulativePrediction {
+    let day: Int
+    let actual: Int?
+    let predicted: Int?
+}
diff --git a/SpendLearning/SpendLearning/Source/Domain/Entities/CalendarDay.swift b/SpendLearning/SpendLearning/Source/Domain/Entities/Expense/CalendarDay.swift
similarity index 100%
rename from SpendLearning/SpendLearning/Source/Domain/Entities/CalendarDay.swift
rename to SpendLearning/SpendLearning/Source/Domain/Entities/Expense/CalendarDay.swift
diff --git a/SpendLearning/SpendLearning/Source/Domain/Entities/Category.swift b/SpendLearning/SpendLearning/Source/Domain/Entities/Expense/Category.swift
similarity index 100%
rename from SpendLearning/SpendLearning/Source/Domain/Entities/Category.swift
rename to SpendLearning/SpendLearning/Source/Domain/Entities/Expense/Category.swift
diff --git a/SpendLearning/SpendLearning/Source/Domain/Entities/Expense.swift b/SpendLearning/SpendLearning/Source/Domain/Entities/Expense/Expense.swift
similarity index 100%
rename from SpendLearning/SpendLearning/Source/Domain/Entities/Expense.swift
rename to SpendLearning/SpendLearning/Source/Domain/Entities/Expense/Expense.swift
diff --git a/SpendLearning/SpendLearning/Source/Domain/Repositories/AIRepositoryProtocol.swift b/SpendLearning/SpendLearning/Source/Domain/Repositories/AIRepositoryProtocol.swift
new file mode 100644
index 0000000..3837218
--- /dev/null
+++ b/SpendLearning/SpendLearning/Source/Domain/Repositories/AIRepositoryProtocol.swift
@@ -0,0 +1,19 @@
+//
+//  AIRepositoryProtocol.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/14/26.
+//
+
+protocol AIRepositoryProtocol {
+    /// 저장된 모든 AI 모델 메타데이터 목록
+    func fetchModels() async -> [AIModelMetadata]
+    /// 현재 사용 중인 AI 모델 메타데이터
+    func fetchCurrentModel() async -> AIModelMetadata?
+    /// 이번 달 인사이트 목록
+    func fetchInsights() async -> [AIInsightItem]
+    /// 이번 달 일별 예측 금액 [일: 예측금액]
+    func fetchDailyPredictions(year: Int, month: Int) async -> [Int: Int]
+    /// 이번 달 카테고리별 예측 금액 [카테고리명: 예측금액]
+    func fetchCategoryPredictions(year: Int, month: Int) async -> [String: Int]
+}
diff --git a/SpendLearning/SpendLearning/Source/Domain/UseCases/AIUseCase.swift b/SpendLearning/SpendLearning/Source/Domain/UseCases/AIUseCase.swift
new file mode 100644
index 0000000..768831f
--- /dev/null
+++ b/SpendLearning/SpendLearning/Source/Domain/UseCases/AIUseCase.swift
@@ -0,0 +1,37 @@
+//
+//  AIUseCase.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/14/26.
+//
+
+import Foundation
+
+final class AIUseCase: AIUseCaseProtocol {
+
+    private let repository: AIRepositoryProtocol
+
+    init(repository: AIRepositoryProtocol) {
+        self.repository = repository
+    }
+
+    func fetchModels() async -> [AIModelMetadata] {
+        await repository.fetchModels()
+    }
+
+    func fetchCurrentModel() async -> AIModelMetadata? {
+        await repository.fetchCurrentModel()
+    }
+
+    func fetchInsights() async -> [AIInsightItem] {
+        await repository.fetchInsights()
+    }
+
+    func fetchDailyPredictions(year: Int, month: Int) async -> [Int: Int] {
+        await repository.fetchDailyPredictions(year: year, month: month)
+    }
+
+    func fetchCategoryPredictions(year: Int, month: Int) async -> [String: Int] {
+        await repository.fetchCategoryPredictions(year: year, month: month)
+    }
+}
diff --git a/SpendLearning/SpendLearning/Source/Domain/UseCases/AIUseCaseProtocol.swift b/SpendLearning/SpendLearning/Source/Domain/UseCases/AIUseCaseProtocol.swift
new file mode 100644
index 0000000..524bcc4
--- /dev/null
+++ b/SpendLearning/SpendLearning/Source/Domain/UseCases/AIUseCaseProtocol.swift
@@ -0,0 +1,19 @@
+//
+//  AIUseCaseProtocol.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/14/26.
+//
+
+protocol AIUseCaseProtocol {
+    /// 저장된 모든 AI 모델 메타데이터 목록
+    func fetchModels() async -> [AIModelMetadata]
+    /// 현재 사용 중인 AI 모델 메타데이터
+    func fetchCurrentModel() async -> AIModelMetadata?
+    /// 이번 달 인사이트 목록
+    func fetchInsights() async -> [AIInsightItem]
+    /// 이번 달 일별 예측 금액 [일: 예측금액]
+    func fetchDailyPredictions(year: Int, month: Int) async -> [Int: Int]
+    /// 이번 달 카테고리별 예측 금액 [카테고리명: 예측금액]
+    func fetchCategoryPredictions(year: Int, month: Int) async -> [String: Int]
+}
diff --git a/SpendLearning/SpendLearning/Source/Presentation/Common/ToastView.swift b/SpendLearning/SpendLearning/Source/Presentation/Common/ToastView.swift
new file mode 100644
index 0000000..7c3f543
--- /dev/null
+++ b/SpendLearning/SpendLearning/Source/Presentation/Common/ToastView.swift
@@ -0,0 +1,64 @@
+//
+//  ToastView.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/14/26.
+//
+
+import SwiftUI
+
+struct ToastModifier: ViewModifier {
+
+    @Binding var isShowing: Bool
+    let message: String
+
+    @State private var isVisible = false
+    @State private var task: Task<Void, Never>? = nil
+
+    func body(content: Content) -> some View {
+        content
+            .overlay(alignment: .bottom) {
+                if isVisible {
+                    Text(message)
+                        .font(.system(size: 14, weight: .semibold))
+                        .foregroundStyle(.white)
+                        .padding(.horizontal, 20)
+                        .padding(.vertical, 12)
+                        .background(Color(UIColor.DesignSystem.primary))
+                        .clipShape(RoundedRectangle(cornerRadius: 12))
+                        .padding(.bottom, 16)
+                        .ignoresSafeArea(edges: .bottom)
+                        .transition(.opacity.combined(with: .move(edge: .bottom)))
+                }
+            }
+            .animation(.easeInOut(duration: 0.3), value: isVisible)
+            .onChange(of: isShowing) { _, newValue in
+                guard newValue else { return }
+                isShowing = false
+                task?.cancel()
+                Task { @MainActor in
+                    withTransaction(Transaction(animation: nil)) {
+                        isVisible = false
+                    }
+                    try? await Task.sleep(for: .milliseconds(50))
+                    withAnimation {
+                        isVisible = true
+                    }
+                    task = Task {
+                        try? await Task.sleep(for: .seconds(2))
+                        if !Task.isCancelled {
+                            withAnimation {
+                                isVisible = false
+                            }
+                        }
+                    }
+                }
+            }
+    }
+}
+
+extension View {
+    func toast(isShowing: Binding<Bool>, message: String) -> some View {
+        modifier(ToastModifier(isShowing: isShowing, message: message))
+    }
+}
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/AI/AICategoryPredictionCardView.swift b/SpendLearning/SpendLearning/Source/Presentation/View/AI/AICategoryPredictionCardView.swift
index a8cad2e..5d93132 100644
--- a/SpendLearning/SpendLearning/Source/Presentation/View/AI/AICategoryPredictionCardView.swift
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/AI/AICategoryPredictionCardView.swift
@@ -8,21 +8,12 @@
 import SwiftUI
 import Charts
 
-struct CategoryPredictionDataPoint {
-    let categoryName: String
-    let actual: Int
-    let predicted: Int?
-}
-
 struct AICategoryPredictionCardView: View {
 
-    let data: [CategoryPredictionDataPoint]
-
     @State private var isExpanded = false
 
-    private var hasPrediction: Bool {
-        data.compactMap { $0.predicted }.isEmpty == false
-    }
+    let data: [CategoryPredictionDataPoint]
+    let hasPrediction: Bool
 
     private var displayData: [CategoryPredictionDataPoint] {
         isExpanded ? data : Array(data.prefix(5))
@@ -38,7 +29,9 @@ struct AICategoryPredictionCardView: View {
                 emptyView
             } else {
                 chart
-                expandButton
+                if data.count > 5 {
+                    expandButton
+                }
             }
         }
         .background(Color(UIColor.DesignSystem.surface))
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIInsightCardView.swift b/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIInsightCardView.swift
index 8c50f21..12567bc 100644
--- a/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIInsightCardView.swift
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIInsightCardView.swift
@@ -7,40 +7,15 @@
 
 import SwiftUI
 
-enum AIInsightItemType {
-    case abnormal, forecast, unrecorded
-
-    var title: String {
-        switch self {
-        case .abnormal: return "이상 지출 감지"
-        case .forecast: return "지출 예고"
-        case .unrecorded: return "미기록 감지"
-        }
-    }
-}
-
-struct AIInsightItemData {
-    let type: AIInsightItemType
-    let description: String
-}
-
 struct AIInsightCardView: View {
 
-    let items: [AIInsightItemData]
-
-    private let orderedTypes: [AIInsightItemType] = [.abnormal, .forecast, .unrecorded]
-
-    private var visibleItems: [AIInsightItemData] {
-        orderedTypes.compactMap { type in
-            items.first { $0.type == type }
-        }
-    }
+    let items: [AIInsightItem]
 
     var body: some View {
         VStack(spacing: 0) {
             header
 
-            if visibleItems.isEmpty {
+            if items.isEmpty {
                 emptyView
             } else {
                 bodyView
@@ -72,10 +47,10 @@ struct AIInsightCardView: View {
 
     private var bodyView: some View {
         VStack(spacing: 0) {
-            ForEach(Array(visibleItems.enumerated()), id: \.offset) { index, item in
+            ForEach(Array(items.enumerated()), id: \.offset) { index, item in
                 rowView(item: item)
 
-                if index < visibleItems.count - 1 {
+                if index < items.count - 1 {
                     Divider()
                         .background(Color(UIColor.DesignSystem.separator))
                         .padding(.horizontal, 12)
@@ -84,7 +59,7 @@ struct AIInsightCardView: View {
         }
     }
 
-    private func rowView(item: AIInsightItemData) -> some View {
+    private func rowView(item: AIInsightItem) -> some View {
         VStack(alignment: .leading, spacing: 4) {
             Text(item.type.title)
                 .font(.system(size: 14, weight: .semibold))
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIModelSelectView.swift b/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIModelSelectView.swift
index 8549f56..d773aa8 100644
--- a/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIModelSelectView.swift
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIModelSelectView.swift
@@ -7,26 +7,18 @@
 
 import SwiftUI
 
-struct AIModelItem {
-    let id: String
-    let dataCount: Int
-    let accuracy: Float
-    let createdAt: Date
-}
-
 struct AIModelSelectView: View {
 
     @Environment(\.dismiss) private var dismiss
-
-    let models: [AIModelItem]
-    var onConfirm: (AIModelItem) -> Void
-
     @State private var selectedId: String
 
+    let models: [AIModelMetadata]
+    var onConfirm: (AIModelMetadata) -> Void
+
     init(
-        models: [AIModelItem],
+        models: [AIModelMetadata],
         currentModelId: String,
-        onConfirm: @escaping (AIModelItem) -> Void
+        onConfirm: @escaping (AIModelMetadata) -> Void
     ) {
         self.models = models
         self.onConfirm = onConfirm
@@ -35,24 +27,41 @@ struct AIModelSelectView: View {
 
     var body: some View {
         VStack(spacing: 0) {
-            ScrollView {
-                VStack(spacing: 12) {
-                    ForEach(models, id: \.id) { model in
-                        modelRow(model)
-                            .onTapGesture {
-                                selectedId = model.id
-                            }
+            if models.isEmpty {
+                emptyView
+            } else {
+                ScrollView {
+                    VStack(spacing: 12) {
+                        ForEach(models, id: \.id) { model in
+                            modelRow(model)
+                                .onTapGesture {
+                                    selectedId = model.id
+                                }
+                        }
                     }
+                    .padding(20)
                 }
-                .padding(20)
-            }
 
-            confirmButton
+                confirmButton
+            }
         }
         .background(Color(UIColor.DesignSystem.background))
     }
 
-    private func modelRow(_ model: AIModelItem) -> some View {
+    private var emptyView: some View {
+        VStack(spacing: 8) {
+            Text("생성된 모델이 없어요")
+                .font(.system(size: 16, weight: .bold))
+                .foregroundStyle(Color(UIColor.DesignSystem.primary))
+
+            Text("소비를 꾸준히 기록하고 모델을 생성해보세요.")
+                .font(.system(size: 13))
+                .foregroundStyle(Color(UIColor.DesignSystem.subtitle))
+        }
+        .frame(maxWidth: .infinity, maxHeight: .infinity)
+    }
+
+    private func modelRow(_ model: AIModelMetadata) -> some View {
         HStack(spacing: 14) {
             VStack(alignment: .leading, spacing: 4) {
                 Text(model.id)
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIPredictionCardView.swift b/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIPredictionCardView.swift
index 4a64567..4ff392a 100644
--- a/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIPredictionCardView.swift
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIPredictionCardView.swift
@@ -8,27 +8,12 @@
 import SwiftUI
 import Charts
 
-struct PredictionDataPoint {
-    let day: Int
-    let actual: Int?
-    let predicted: Int?
-}
-
-private struct CumulativeDataPoint {
-    let day: Int
-    let actual: Int?
-    let predicted: Int?
-}
-
 struct AIPredictionCardView: View {
 
-    let data: [PredictionDataPoint]
+    let data: [CumulativePrediction]
     let today: Int
     let lastDay: Int
-
-    private var hasPrediction: Bool {
-        data.compactMap { $0.predicted }.isEmpty == false
-    }
+    let hasPrediction: Bool
 
     var body: some View {
         VStack(spacing: 0) {
@@ -97,31 +82,14 @@ struct AIPredictionCardView: View {
     }
 
     private var chart: some View {
-        var cumulativeActual = 0
-        var cumulativePredicted = 0
-        let cumulativeData: [CumulativeDataPoint] = data.map { point in
-            if let actual = point.actual {
-                cumulativeActual += actual
-            }
-            if let predicted = point.predicted {
-                cumulativePredicted += predicted
-            }
-            return CumulativeDataPoint(
-                day: point.day,
-                actual: point.actual != nil ? cumulativeActual : nil,
-                predicted: point.predicted != nil ? cumulativePredicted : nil
-            )
-        }
-
-        let actualValues = cumulativeData.compactMap { $0.actual }
-        let predictedValues = cumulativeData.compactMap { $0.predicted }
+        let actualValues = data.compactMap { $0.actual }
+        let predictedValues = data.compactMap { $0.predicted }
         let maxValue = (actualValues + predictedValues).max() ?? 0
-        let predictedTotal = cumulativeData.compactMap { $0.predicted }.last ?? 0
+        let predictedTotal = data.compactMap { $0.predicted }.last ?? 0
 
         return Chart {
-
             if hasPrediction {
-                ForEach(cumulativeData, id: \.day) { point in
+                ForEach(data, id: \.day) { point in
                     if let predicted = point.predicted {
                         LineMark(
                             x: .value("날짜", point.day),
@@ -133,7 +101,7 @@ struct AIPredictionCardView: View {
                     }
                 }
 
-                if let lastPoint = cumulativeData.last, let predicted = lastPoint.predicted {
+                if let lastPoint = data.last, let predicted = lastPoint.predicted {
                     PointMark(
                         x: .value("날짜", lastPoint.day),
                         y: .value("금액", predicted)
@@ -147,7 +115,7 @@ struct AIPredictionCardView: View {
                 }
             }
 
-            ForEach(cumulativeData, id: \.day) { point in
+            ForEach(data, id: \.day) { point in
                 if let actual = point.actual {
                     LineMark(
                         x: .value("날짜", point.day),
@@ -162,8 +130,8 @@ struct AIPredictionCardView: View {
                 .foregroundStyle(Color(UIColor.DesignSystem.subtitle).opacity(0.5))
                 .lineStyle(StrokeStyle(lineWidth: 1, dash: [3, 3]))
                 .annotation(position: .top) {
-                    let actualTotal = cumulativeData.filter { $0.day <= today }.compactMap { $0.actual }.last ?? 0
-                    let predictedToday = cumulativeData.filter { $0.day <= today }.compactMap { $0.predicted }.last ?? 0
+                    let actualTotal = data.filter { $0.day <= today }.compactMap { $0.actual }.last ?? 0
+                    let predictedToday = data.filter { $0.day <= today }.compactMap { $0.predicted }.last ?? 0
 
                     VStack(alignment: .leading, spacing: 2) {
                         Text("실제: \(formatted(actualTotal))")
@@ -180,7 +148,7 @@ struct AIPredictionCardView: View {
                     .clipShape(RoundedRectangle(cornerRadius: 6))
                 }
 
-            if let todayPoint = cumulativeData.first(where: { $0.day == today }),
+            if let todayPoint = data.first(where: { $0.day == today }),
                let actual = todayPoint.actual {
                 PointMark(
                     x: .value("날짜", todayPoint.day),
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIStatusCardView.swift b/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIStatusCardView.swift
index 5bd5004..7e18ce4 100644
--- a/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIStatusCardView.swift
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIStatusCardView.swift
@@ -9,74 +9,17 @@ import SwiftUI
 
 struct AIStatusCardView: View {
 
-    let modelId: String
-    let dataCount: Int
-    let accuracy: Float
-
+    @Binding var isShowingToast: Bool
     @State private var isShowingCreate = false
     @State private var isShowingSelect = false
 
-    private let mockModels: [AIModelItem] = [
-        AIModelItem(id: "CAT13A", dataCount: 1204, accuracy: 82, createdAt: Date()),
-        AIModelItem(id: "CAT12B", dataCount: 980,  accuracy: 76, createdAt: Calendar.current.date(byAdding: .month, value: -1, to: Date()) ?? Date()),
-        AIModelItem(id: "CAT11C", dataCount: 750,  accuracy: 71, createdAt: Calendar.current.date(byAdding: .month, value: -2, to: Date()) ?? Date()),
-    ]
+    let currentModel: AIModelMetadata?
+    let models: [AIModelMetadata]
 
     var body: some View {
         VStack(alignment: .leading, spacing: 0) {
-            HStack(alignment: .top, spacing: 12) {
-                Image(systemName: "cpu")
-                    .resizable()
-                    .scaledToFit()
-                    .frame(width: 64, height: 64)
-                    .foregroundStyle(Color(UIColor.DesignSystem.primary))
-
-                VStack(alignment: .leading, spacing: 4) {
-                    Text("\(modelId) 예측 모델 (\(Int(accuracy))%)")
-                        .font(.system(size: 16, weight: .bold))
-                        .foregroundStyle(Color(UIColor.DesignSystem.primary))
-
-                    Text("학습에 사용된 데이터: \(dataCount)개")
-                        .font(.system(size: 13, weight: .semibold))
-                        .foregroundStyle(Color(UIColor.DesignSystem.subtitle))
-
-                    ProgressView(value: accuracy / 100)
-                        .tint(Color(UIColor.DesignSystem.accent))
-                        .scaleEffect(x: 1, y: 2)
-                        .padding(.top, 2)
-                }
-            }
-            .padding(.horizontal, 20)
-            .padding(.top, 20)
-            .padding(.bottom, 20)
-
-            HStack(spacing: 12) {
-                Button {
-                    isShowingCreate = true
-                } label: {
-                    Text("모델 생성하기")
-                        .font(.system(size: 16, weight: .bold))
-                        .foregroundStyle(.white)
-                        .frame(maxWidth: .infinity)
-                        .frame(height: 44)
-                        .background(Color(UIColor.DesignSystem.primary))
-                        .clipShape(RoundedRectangle(cornerRadius: 14))
-                }
-
-                Button {
-                    isShowingSelect = true
-                } label: {
-                    Text("모델 교체하기")
-                        .font(.system(size: 16, weight: .bold))
-                        .foregroundStyle(.white)
-                        .frame(maxWidth: .infinity)
-                        .frame(height: 44)
-                        .background(Color(UIColor.DesignSystem.accent))
-                        .clipShape(RoundedRectangle(cornerRadius: 14))
-                }
-            }
-            .padding(.horizontal, 20)
-            .padding(.bottom, 20)
+            modelInfo
+            buttons
         }
         .background(Color(UIColor.DesignSystem.surface))
         .clipShape(RoundedRectangle(cornerRadius: 20))
@@ -88,13 +31,92 @@ struct AIStatusCardView: View {
         } message: {
             Text("데이터를 학습해 예측 모델을 생성할까요?")
         }
+        .tint(Color(UIColor.DesignSystem.accent))
         .sheet(isPresented: $isShowingSelect) {
             AIModelSelectView(
-                models: mockModels,
-                currentModelId: modelId
+                models: models,
+                currentModelId: currentModel?.id ?? ""
             ) { selected in
                 print("선택된 모델: \(selected.id)")
             }
         }
     }
+
+    private var modelInfo: some View {
+        Group {
+            if let model = currentModel {
+                HStack(alignment: .top, spacing: 12) {
+                    Image(systemName: "cpu")
+                        .resizable()
+                        .scaledToFit()
+                        .frame(width: 64, height: 64)
+                        .foregroundStyle(Color(UIColor.DesignSystem.primary))
+
+                    VStack(alignment: .leading, spacing: 4) {
+                        Text("\(model.id) 예측 모델 (\(Int(model.accuracy))%)")
+                            .font(.system(size: 16, weight: .bold))
+                            .foregroundStyle(Color(UIColor.DesignSystem.primary))
+
+                        Text("학습에 사용된 데이터: \(model.dataCount)개")
+                            .font(.system(size: 13, weight: .semibold))
+                            .foregroundStyle(Color(UIColor.DesignSystem.subtitle))
+
+                        ProgressView(value: model.accuracy / 100)
+                            .tint(Color(UIColor.DesignSystem.accent))
+                            .scaleEffect(x: 1, y: 2)
+                            .padding(.top, 2)
+                    }
+                }
+            } else {
+                VStack(alignment: .leading, spacing: 6) {
+                    Text("예측 모델이 없어요")
+                        .font(.system(size: 16, weight: .bold))
+                        .foregroundStyle(Color(UIColor.DesignSystem.primary))
+
+                    Text("소비를 꾸준히 기록할수록 모델이 더 정확해져요.\n기록이 쌓이면 아래 '모델 생성하기' 버튼을 눌러\n나만의 예측 모델을 만들어보세요!")
+                        .font(.system(size: 13))
+                        .foregroundStyle(Color(UIColor.DesignSystem.subtitle))
+                        .fixedSize(horizontal: false, vertical: true)
+                }
+                .frame(maxWidth: .infinity, alignment: .leading)
+            }
+        }
+        .padding(.horizontal, 20)
+        .padding(.top, 20)
+        .padding(.bottom, 20)
+    }
+
+    private var buttons: some View {
+        HStack(spacing: 12) {
+            Button {
+                isShowingCreate = true
+            } label: {
+                Text("모델 생성하기")
+                    .font(.system(size: 16, weight: .bold))
+                    .foregroundStyle(.white)
+                    .frame(maxWidth: .infinity)
+                    .frame(height: 44)
+                    .background(Color(UIColor.DesignSystem.primary))
+                    .clipShape(RoundedRectangle(cornerRadius: 14))
+            }
+
+            Button {
+                if models.isEmpty {
+                    isShowingToast = true
+                } else {
+                    isShowingSelect = true
+                }
+            } label: {
+                Text("모델 교체하기")
+                    .font(.system(size: 16, weight: .bold))
+                    .foregroundStyle(.white)
+                    .frame(maxWidth: .infinity)
+                    .frame(height: 44)
+                    .background(Color(UIColor.DesignSystem.accent).opacity(models.isEmpty ? 0.4 : 1.0))
+                    .clipShape(RoundedRectangle(cornerRadius: 14))
+            }
+        }
+        .padding(.horizontal, 20)
+        .padding(.bottom, 20)
+    }
 }
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIView.swift b/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIView.swift
index 553b1e6..037fc90 100644
--- a/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIView.swift
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIView.swift
@@ -9,6 +9,9 @@ import SwiftUI
 
 struct AIView: View {
 
+    @State var viewModel: AIViewModel
+    @State private var isShowingToast = false
+
     var body: some View {
         ScrollView {
             VStack(alignment: .leading, spacing: 16) {
@@ -23,144 +26,36 @@ struct AIView: View {
                         .offset(y: -5)
 
                     AIStatusCardView(
-                        modelId: "CAT13A",
-                        dataCount: 1204,
-                        accuracy: 82,
+                        isShowingToast: $isShowingToast,
+                        currentModel: viewModel.currentModel,
+                        models: viewModel.models,
                     )
                 }
 
-                AIInsightCardView(items: [
-                    AIInsightItemData(type: .abnormal, description: "이번 주 카페 지출이 평소보다 2.1배 많아요"),
-                    AIInsightItemData(type: .forecast, description: "매주 월요일 교통비가 나가는 패턴이에요"),
-                    AIInsightItemData(type: .unrecorded, description: "지난주 이맘때 교통비가 있었는데 이번 주엔 없네요"),
-                ])
-
-//                AIPredictionCardView(
-//                    data: [
-//                        PredictionDataPoint(day: 1,  actual: 12000,  predicted: nil),
-//                        PredictionDataPoint(day: 2,  actual: 28000,  predicted: nil),
-//                        PredictionDataPoint(day: 3,  actual: 45000,  predicted: nil),
-//                        PredictionDataPoint(day: 4,  actual: 67000,  predicted: nil),
-//                        PredictionDataPoint(day: 5,  actual: 82000,  predicted: nil),
-//                        PredictionDataPoint(day: 6,  actual: 95000,  predicted: nil),
-//                        PredictionDataPoint(day: 7,  actual: 110000, predicted: nil),
-//                        PredictionDataPoint(day: 8,  actual: 125000, predicted: nil),
-//                        PredictionDataPoint(day: 9,  actual: 138000, predicted: nil),
-//                        PredictionDataPoint(day: 10, actual: 152000, predicted: nil),
-//                        PredictionDataPoint(day: 11, actual: 170000, predicted: nil),
-//                        PredictionDataPoint(day: 12, actual: 185000, predicted: nil),
-//                        PredictionDataPoint(day: 13, actual: 198000, predicted: nil),
-//                        PredictionDataPoint(day: 14, actual: 215000, predicted: nil),
-//                        PredictionDataPoint(day: 15, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 16, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 17, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 18, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 19, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 20, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 21, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 22, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 23, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 24, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 25, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 26, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 27, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 28, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 29, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 30, actual: nil,    predicted: nil),
-//                        PredictionDataPoint(day: 31, actual: nil,    predicted: nil),
-//                    ],
-//                    today: 14,
-//                    lastDay: 31
-//                )
-//
-//                AICategoryPredictionCardView(data: [
-//                    CategoryPredictionDataPoint(categoryName: "식비",     actual: 320000, predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "교통",     actual: 54000,  predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "카페",     actual: 87000,  predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "쇼핑",     actual: 152000, predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "구독",     actual: 29000,  predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "의료",     actual: 45000,  predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "운동",     actual: 62000,  predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "도서",     actual: 18000,  predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "영화",     actual: 24000,  predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "여행",     actual: 0,      predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "숙박",     actual: 0,      predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "미용",     actual: 35000,  predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "반려동물", actual: 55000,  predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "세금",     actual: 120000, predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "보험",     actual: 80000,  predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "통신",     actual: 55000,  predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "게임",     actual: 12000,  predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "음악",     actual: 9000,   predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "편의점",   actual: 43000,  predicted: nil),
-//                    CategoryPredictionDataPoint(categoryName: "기타",     actual: 27000,  predicted: nil),
-//                ].sorted { $0.actual > $1.actual })
+                AIInsightCardView(items: viewModel.sortedInsights)
 
                 AIPredictionCardView(
-                    data: [
-                        PredictionDataPoint(day: 1,  actual: 12000,  predicted: 15000),
-                        PredictionDataPoint(day: 2,  actual: 28000,  predicted: 30000),
-                        PredictionDataPoint(day: 3,  actual: 45000,  predicted: 45000),
-                        PredictionDataPoint(day: 4,  actual: 67000,  predicted: 60000),
-                        PredictionDataPoint(day: 5,  actual: 82000,  predicted: 75000),
-                        PredictionDataPoint(day: 6,  actual: 95000,  predicted: 90000),
-                        PredictionDataPoint(day: 7,  actual: 110000, predicted: 105000),
-                        PredictionDataPoint(day: 8,  actual: 125000, predicted: 120000),
-                        PredictionDataPoint(day: 9,  actual: 138000, predicted: 135000),
-                        PredictionDataPoint(day: 10, actual: 152000, predicted: 150000),
-                        PredictionDataPoint(day: 11, actual: 170000, predicted: 165000),
-                        PredictionDataPoint(day: 12, actual: 185000, predicted: 180000),
-                        PredictionDataPoint(day: 13, actual: 198000, predicted: 195000),
-                        PredictionDataPoint(day: 14, actual: 215000, predicted: 210000),
-                        PredictionDataPoint(day: 15, actual: nil,    predicted: 225000),
-                        PredictionDataPoint(day: 16, actual: nil,    predicted: 240000),
-                        PredictionDataPoint(day: 17, actual: nil,    predicted: 255000),
-                        PredictionDataPoint(day: 18, actual: nil,    predicted: 270000),
-                        PredictionDataPoint(day: 19, actual: nil,    predicted: 285000),
-                        PredictionDataPoint(day: 20, actual: nil,    predicted: 300000),
-                        PredictionDataPoint(day: 21, actual: nil,    predicted: 315000),
-                        PredictionDataPoint(day: 22, actual: nil,    predicted: 330000),
-                        PredictionDataPoint(day: 23, actual: nil,    predicted: 345000),
-                        PredictionDataPoint(day: 24, actual: nil,    predicted: 360000),
-                        PredictionDataPoint(day: 25, actual: nil,    predicted: 375000),
-                        PredictionDataPoint(day: 26, actual: nil,    predicted: 390000),
-                        PredictionDataPoint(day: 27, actual: nil,    predicted: 405000),
-                        PredictionDataPoint(day: 28, actual: nil,    predicted: 420000),
-                        PredictionDataPoint(day: 29, actual: nil,    predicted: 435000),
-                        PredictionDataPoint(day: 30, actual: nil,    predicted: 450000),
-                        PredictionDataPoint(day: 31, actual: nil,    predicted: 465000),
-                    ],
-                    today: 14,
-                    lastDay: 31
+                    data: viewModel.predictionData,
+                    today: viewModel.today,
+                    lastDay: viewModel.lastDay,
+                    hasPrediction: viewModel.hasPrediction
                 )
 
-                AICategoryPredictionCardView(data: [
-                    CategoryPredictionDataPoint(categoryName: "식비",     actual: 320000, predicted: 280000),
-                    CategoryPredictionDataPoint(categoryName: "교통",     actual: 54000,  predicted: 60000),
-                    CategoryPredictionDataPoint(categoryName: "카페",     actual: 87000,  predicted: 45000),
-                    CategoryPredictionDataPoint(categoryName: "쇼핑",     actual: 152000, predicted: 200000),
-                    CategoryPredictionDataPoint(categoryName: "구독",     actual: 29000,  predicted: 29000),
-                    CategoryPredictionDataPoint(categoryName: "의료",     actual: 45000,  predicted: 30000),
-                    CategoryPredictionDataPoint(categoryName: "운동",     actual: 62000,  predicted: 70000),
-                    CategoryPredictionDataPoint(categoryName: "도서",     actual: 18000,  predicted: 25000),
-                    CategoryPredictionDataPoint(categoryName: "영화",     actual: 24000,  predicted: 20000),
-                    CategoryPredictionDataPoint(categoryName: "여행",     actual: 0,      predicted: 150000),
-                    CategoryPredictionDataPoint(categoryName: "숙박",     actual: 0,      predicted: 80000),
-                    CategoryPredictionDataPoint(categoryName: "미용",     actual: 35000,  predicted: 40000),
-                    CategoryPredictionDataPoint(categoryName: "반려동물", actual: 55000,  predicted: 50000),
-                    CategoryPredictionDataPoint(categoryName: "세금",     actual: 120000, predicted: 120000),
-                    CategoryPredictionDataPoint(categoryName: "보험",     actual: 80000,  predicted: 80000),
-                    CategoryPredictionDataPoint(categoryName: "통신",     actual: 55000,  predicted: 55000),
-                    CategoryPredictionDataPoint(categoryName: "게임",     actual: 12000,  predicted: 15000),
-                    CategoryPredictionDataPoint(categoryName: "음악",     actual: 9000,   predicted: 9000),
-                    CategoryPredictionDataPoint(categoryName: "편의점",   actual: 43000,  predicted: 35000),
-                    CategoryPredictionDataPoint(categoryName: "기타",     actual: 27000,  predicted: 0),
-                ].sorted { $0.actual > $1.actual })
-                .padding(.bottom, 20)
+                AICategoryPredictionCardView(
+                    data: viewModel.categoryData,
+                    hasPrediction: viewModel.hasPrediction
+                )
             }
+            .padding(.bottom, 20)
             .padding(.horizontal, 20)
         }
         .background(Color(UIColor.DesignSystem.background))
         .scrollIndicators(.hidden)
+        .onAppear {
+            Task {
+                await viewModel.onAppear()
+            }
+        }
+        .toast(isShowing: $isShowingToast, message: "아직 생성된 예측 모델이 없어요")
     }
 }
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIViewModel.swift b/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIViewModel.swift
new file mode 100644
index 0000000..8966db9
--- /dev/null
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/AI/AIViewModel.swift
@@ -0,0 +1,130 @@
+//
+//  AIViewModel.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/14/26.
+//
+
+import Foundation
+
+@Observable
+final class AIViewModel {
+
+    // MARK: - Output
+    private(set) var currentModel: AIModelMetadata? = nil
+    private(set) var models: [AIModelMetadata] = []
+    private(set) var insights: [AIInsightItem] = []
+    private(set) var predictionData: [CumulativePrediction] = []
+    private(set) var categoryData: [CategoryPredictionDataPoint] = []
+    private(set) var today: Int = Calendar.current.component(.day, from: Date())
+    private(set) var lastDay: Int = {
+        let calendar = Calendar.current
+        let range = calendar.range(of: .day, in: .month, for: Date())
+        return range?.count ?? 30
+    }()
+
+    private let expenseUseCase: ExpenseUseCaseProtocol
+    private let aiUseCase: AIUseCaseProtocol
+
+    var hasPrediction: Bool {
+        predictionData.compactMap { $0.predicted }.isEmpty == false
+    }
+
+    var sortedInsights: [AIInsightItem] {
+        let order: [AIInsightItemType] = [.abnormal, .forecast, .unrecorded]
+        return order.compactMap { type in
+            insights.first { $0.type == type }
+        }
+    }
+
+    // MARK: - Init
+    init(
+        expenseUseCase: ExpenseUseCaseProtocol,
+        aiUseCase: AIUseCaseProtocol
+    ) {
+        self.expenseUseCase = expenseUseCase
+        self.aiUseCase = aiUseCase
+    }
+
+    // MARK: - Input
+    func onAppear() async {
+        await load()
+    }
+
+    // MARK: - Private
+    private func load() async {
+        let calendar = Calendar.current
+        let year = calendar.component(.year, from: Date())
+        let month = calendar.component(.month, from: Date())
+
+        async let expenses = expenseUseCase.fetch(year: year, month: month)
+        async let currentModel = aiUseCase.fetchCurrentModel()
+        async let models = aiUseCase.fetchModels()
+        async let insights = aiUseCase.fetchInsights()
+        async let dailyPredictions = aiUseCase.fetchDailyPredictions(year: year, month: month)
+        async let categoryPredictions = aiUseCase.fetchCategoryPredictions(year: year, month: month)
+
+        let (
+            fetchedExpenses,
+            fetchedModel,
+            fetchedModels,
+            fetchedInsights,
+            fetchedDaily,
+            fetchedCategory
+        ) = await (
+            expenses,
+            currentModel,
+            models,
+            insights,
+            dailyPredictions,
+            categoryPredictions
+        )
+
+        self.currentModel = fetchedModel
+        self.models = fetchedModels
+        self.insights = fetchedInsights
+        self.predictionData = makeCumulativePrediction(expenses: fetchedExpenses, predictions: fetchedDaily)
+        self.categoryData = makeCategoryData(expenses: fetchedExpenses, predictions: fetchedCategory)
+    }
+
+    private func makeCumulativePrediction(expenses: [Expense], predictions: [Int: Int]) -> [CumulativePrediction] {
+        var cumulativeActual = 0
+        var cumulativePredicted = 0
+
+        return (1...lastDay).map { day in
+            let daily = expenses
+                .filter { Calendar.current.component(.day, from: $0.date) == day }
+                .reduce(0) { $0 + $1.amount }
+
+            if day <= today {
+                cumulativeActual += daily
+            }
+            if let predicted = predictions[day] {
+                cumulativePredicted += predicted
+            }
+
+            return CumulativePrediction(
+                day: day,
+                actual: day <= today ? cumulativeActual : nil,
+                predicted: predictions[day] != nil ? cumulativePredicted : nil
+            )
+        }
+    }
+
+    private func makeCategoryData(expenses: [Expense], predictions: [String: Int]) -> [CategoryPredictionDataPoint] {
+        var categoryTotals: [String: Int] = [:]
+        for expense in expenses where Calendar.current.component(.day, from: expense.date) <= today {
+            categoryTotals[expense.category.name, default: 0] += expense.amount
+        }
+
+        let allCategories = Set(categoryTotals.keys).union(Set(predictions.keys))
+        return allCategories.map { name in
+            CategoryPredictionDataPoint(
+                categoryName: name,
+                actual: categoryTotals[name] ?? 0,
+                predicted: predictions[name]
+            )
+        }
+        .sorted { $0.actual > $1.actual }
+    }
+}
diff --git a/SpendLearning/SpendLearningTests/UseCases/AIUseCaseTests.swift b/SpendLearning/SpendLearningTests/UseCases/AIUseCaseTests.swift
new file mode 100644
index 0000000..2b12482
--- /dev/null
+++ b/SpendLearning/SpendLearningTests/UseCases/AIUseCaseTests.swift
@@ -0,0 +1,130 @@
+//
+//  AIUseCaseTests.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/14/26.
+//
+
+import Testing
+import Foundation
+
+@Suite("AIUseCase")
+@MainActor
+struct AIUseCaseTests {
+
+    @Test("fetchModels 호출 시 Repository의 fetchModels가 호출된다")
+    func fetchModelsCallsRepository() async {
+        let spy = SpyAIRepository()
+        let sut = AIUseCase(repository: spy)
+
+        _ = await sut.fetchModels()
+
+        #expect(spy.fetchModelsCallCount == 1)
+    }
+
+    @Test("fetchModels 호출 시 Repository에서 반환한 결과를 그대로 반환한다")
+    func fetchModelsReturnsRepositoryResult() async {
+        let spy = SpyAIRepository()
+        let model = AIModelMetadata(id: "SP260714", dataCount: 1204, accuracy: 82, createdAt: Date())
+        spy.stubbedModels = [model]
+        let sut = AIUseCase(repository: spy)
+
+        let result = await sut.fetchModels()
+
+        #expect(result.count == 1)
+        #expect(result.first?.id == model.id)
+    }
+
+    @Test("fetchCurrentModel 호출 시 Repository에서 반환한 결과를 그대로 반환한다")
+    func fetchCurrentModelReturnsRepositoryResult() async {
+        let spy = SpyAIRepository()
+        let model = AIModelMetadata(id: "SP260714", dataCount: 1204, accuracy: 82, createdAt: Date())
+        spy.stubbedCurrentModel = model
+        let sut = AIUseCase(repository: spy)
+
+        let result = await sut.fetchCurrentModel()
+
+        #expect(result?.id == model.id)
+    }
+
+    @Test("fetchDailyPredictions 호출 시 Repository가 올바른 year/month로 호출된다")
+    func fetchDailyPredictionsCallsRepositoryWithCorrectYearMonth() async {
+        let spy = SpyAIRepository()
+        let sut = AIUseCase(repository: spy)
+
+        _ = await sut.fetchDailyPredictions(year: 2026, month: 7)
+
+        #expect(spy.fetchDailyCallCount == 1)
+        #expect(spy.fetchedYear == 2026)
+        #expect(spy.fetchedMonth == 7)
+    }
+
+    @Test("fetchCategoryPredictions 호출 시 Repository가 올바른 year/month로 호출된다")
+    func fetchCategoryPredictionsCallsRepositoryWithCorrectYearMonth() async {
+        let spy = SpyAIRepository()
+        let sut = AIUseCase(repository: spy)
+
+        _ = await sut.fetchCategoryPredictions(year: 2026, month: 7)
+
+        #expect(spy.fetchCategoryCallCount == 1)
+        #expect(spy.fetchedYear == 2026)
+        #expect(spy.fetchedMonth == 7)
+    }
+
+    @Test("fetchInsights 호출 시 Repository에서 반환한 결과를 그대로 반환한다")
+    func fetchInsightsReturnsRepositoryResult() async {
+        let spy = SpyAIRepository()
+        let insight = AIInsightItem(type: .abnormal, description: "테스트")
+        spy.stubbedInsights = [insight]
+        let sut = AIUseCase(repository: spy)
+
+        let result = await sut.fetchInsights()
+
+        #expect(result.count == 1)
+        #expect(result.first?.description == insight.description)
+    }
+}
+
+// MARK: - Spy
+
+final class SpyAIRepository: AIRepositoryProtocol {
+    private(set) var fetchModelsCallCount = 0
+    private(set) var fetchCurrentModelCallCount = 0
+    private(set) var fetchDailyCallCount = 0
+    private(set) var fetchCategoryCallCount = 0
+    private(set) var fetchInsightsCallCount = 0
+    private(set) var fetchedYear: Int?
+    private(set) var fetchedMonth: Int?
+    var stubbedModels: [AIModelMetadata] = []
+    var stubbedCurrentModel: AIModelMetadata? = nil
+    var stubbedInsights: [AIInsightItem] = []
+
+    func fetchModels() async -> [AIModelMetadata] {
+        fetchModelsCallCount += 1
+        return stubbedModels
+    }
+
+    func fetchCurrentModel() async -> AIModelMetadata? {
+        fetchCurrentModelCallCount += 1
+        return stubbedCurrentModel
+    }
+
+    func fetchDailyPredictions(year: Int, month: Int) async -> [Int: Int] {
+        fetchDailyCallCount += 1
+        fetchedYear = year
+        fetchedMonth = month
+        return [:]
+    }
+
+    func fetchCategoryPredictions(year: Int, month: Int) async -> [String: Int] {
+        fetchCategoryCallCount += 1
+        fetchedYear = year
+        fetchedMonth = month
+        return [:]
+    }
+
+    func fetchInsights() async -> [AIInsightItem] {
+        fetchInsightsCallCount += 1
+        return stubbedInsights
+    }
+}
diff --git a/SpendLearning/SpendLearningTests/ViewModels/AIViewModelTests.swift b/SpendLearning/SpendLearningTests/ViewModels/AIViewModelTests.swift
new file mode 100644
index 0000000..6869a43
--- /dev/null
+++ b/SpendLearning/SpendLearningTests/ViewModels/AIViewModelTests.swift
@@ -0,0 +1,173 @@
+//
+//  AIViewModelTests.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/14/26.
+//
+
+import Testing
+import Foundation
+
+@Suite("AIViewModel")
+@MainActor
+struct AIViewModelTests {
+
+    // MARK: - onAppear / load
+
+    @Test("onAppear 호출 후 predictionData가 채워진다")
+    func onAppearFillsPredictionData() async {
+        let expenseStub = StubExpenseUseCaseForAI()
+        let aiStub = StubAIUseCase()
+        aiStub.stubbedDailyPredictions = [1: 10000, 2: 20000]
+        let sut = AIViewModel(expenseUseCase: expenseStub, aiUseCase: aiStub)
+
+        await sut.onAppear()
+
+        #expect(sut.predictionData.isEmpty == false)
+    }
+
+    @Test("onAppear 호출 후 categoryData가 채워진다")
+    func onAppearFillsCategoryData() async {
+        let expenseStub = StubExpenseUseCaseForAI()
+        let food = Category(name: "식비", emoji: "🍚")
+        expenseStub.stubbedExpenses = [
+            Expense(date: Date(), category: food, memo: nil, amount: 5000)
+        ]
+        let aiStub = StubAIUseCase()
+        let sut = AIViewModel(expenseUseCase: expenseStub, aiUseCase: aiStub)
+
+        await sut.onAppear()
+
+        #expect(sut.categoryData.isEmpty == false)
+        #expect(sut.categoryData.first?.categoryName == "식비")
+    }
+
+    // MARK: - hasPrediction
+
+    @Test("예측 데이터가 없으면 hasPrediction이 false다")
+    func hasPredictionIsFalseWhenNoPredictions() async {
+        let sut = AIViewModel(expenseUseCase: StubExpenseUseCaseForAI(), aiUseCase: StubAIUseCase())
+
+        await sut.onAppear()
+
+        #expect(sut.hasPrediction == false)
+    }
+
+    @Test("예측 데이터가 있으면 hasPrediction이 true다")
+    func hasPredictionIsTrueWhenPredictionsExist() async {
+        let aiStub = StubAIUseCase()
+        aiStub.stubbedDailyPredictions = [1: 10000]
+        let sut = AIViewModel(expenseUseCase: StubExpenseUseCaseForAI(), aiUseCase: aiStub)
+
+        await sut.onAppear()
+
+        #expect(sut.hasPrediction == true)
+    }
+
+    // MARK: - makeCumulativePrediction
+
+    @Test("오늘 날짜에 소비가 없어도 actual이 nil이 아니다")
+    func todayActualIsNotNilEvenWithNoExpenses() async {
+        let sut = AIViewModel(expenseUseCase: StubExpenseUseCaseForAI(), aiUseCase: StubAIUseCase())
+
+        await sut.onAppear()
+
+        let todayPoint = sut.predictionData.first(where: { $0.day == sut.today })
+        #expect(todayPoint?.actual != nil)
+    }
+
+    @Test("누적 actual이 올바르게 계산된다")
+    func cumulativeActualIsCorrect() async {
+        let expenseStub = StubExpenseUseCaseForAI()
+        let food = Category(name: "식비", emoji: "🍚")
+        let calendar = Calendar.current
+        let day1 = calendar.date(from: DateComponents(year: 2026, month: 7, day: 1))!
+        let day2 = calendar.date(from: DateComponents(year: 2026, month: 7, day: 2))!
+        expenseStub.stubbedExpenses = [
+            Expense(date: day1, category: food, memo: nil, amount: 1000),
+            Expense(date: day2, category: food, memo: nil, amount: 2000),
+        ]
+        let sut = AIViewModel(expenseUseCase: expenseStub, aiUseCase: StubAIUseCase())
+
+        await sut.onAppear()
+
+        let day2Point = sut.predictionData.first(where: { $0.day == 2 })
+        #expect(day2Point?.actual == 3000)
+    }
+
+    // MARK: - makeCategoryData
+
+    @Test("categoryData가 actual 기준 내림차순으로 정렬된다")
+    func categoryDataIsSortedByActualDescending() async {
+        let expenseStub = StubExpenseUseCaseForAI()
+        let food = Category(name: "식비", emoji: "🍚")
+        let transport = Category(name: "교통", emoji: "🚌")
+        let day1 = Calendar.current.date(from: DateComponents(year: 2026, month: 7, day: 1))!
+        expenseStub.stubbedExpenses = [
+            Expense(date: day1, category: transport, memo: nil, amount: 1000),
+            Expense(date: day1, category: food, memo: nil, amount: 5000),
+        ]
+        let sut = AIViewModel(expenseUseCase: expenseStub, aiUseCase: StubAIUseCase())
+
+        await sut.onAppear()
+
+        #expect(sut.categoryData.first?.categoryName == "식비")
+        #expect(sut.categoryData.last?.categoryName == "교통")
+    }
+
+    // MARK: - sortedInsights
+
+    @Test("sortedInsights가 abnormal, forecast, unrecorded 순서로 정렬된다")
+    func sortedInsightsFollowsDefinedOrder() async {
+        let aiStub = StubAIUseCase()
+        aiStub.stubbedInsights = [
+            AIInsightItem(type: .unrecorded, description: "미기록"),
+            AIInsightItem(type: .forecast, description: "예고"),
+            AIInsightItem(type: .abnormal, description: "이상"),
+        ]
+        let sut = AIViewModel(expenseUseCase: StubExpenseUseCaseForAI(), aiUseCase: aiStub)
+
+        await sut.onAppear()
+
+        #expect(sut.sortedInsights[0].type == .abnormal)
+        #expect(sut.sortedInsights[1].type == .forecast)
+        #expect(sut.sortedInsights[2].type == .unrecorded)
+    }
+
+    @Test("같은 타입의 인사이트가 여러 개여도 하나만 나온다")
+    func sortedInsightsDeduplicatesByType() async {
+        let aiStub = StubAIUseCase()
+        aiStub.stubbedInsights = [
+            AIInsightItem(type: .abnormal, description: "이상1"),
+            AIInsightItem(type: .abnormal, description: "이상2"),
+        ]
+        let sut = AIViewModel(expenseUseCase: StubExpenseUseCaseForAI(), aiUseCase: aiStub)
+
+        await sut.onAppear()
+
+        #expect(sut.sortedInsights.filter { $0.type == .abnormal }.count == 1)
+    }
+}
+
+// MARK: - Stubs
+
+final class StubExpenseUseCaseForAI: ExpenseUseCaseProtocol {
+    var stubbedExpenses: [Expense] = []
+    func fetch(year: Int, month: Int) async -> [Expense] { stubbedExpenses }
+    func add(_ expense: Expense) async {}
+    func delete(_ expense: Expense) async {}
+}
+
+final class StubAIUseCase: AIUseCaseProtocol {
+    var stubbedModels: [AIModelMetadata] = []
+    var stubbedCurrentModel: AIModelMetadata? = nil
+    var stubbedInsights: [AIInsightItem] = []
+    var stubbedDailyPredictions: [Int: Int] = [:]
+    var stubbedCategoryPredictions: [String: Int] = [:]
+
+    func fetchModels() async -> [AIModelMetadata] { stubbedModels }
+    func fetchCurrentModel() async -> AIModelMetadata? { stubbedCurrentModel }
+    func fetchInsights() async -> [AIInsightItem] { stubbedInsights }
+    func fetchDailyPredictions(year: Int, month: Int) async -> [Int: Int] { stubbedDailyPredictions }
+    func fetchCategoryPredictions(year: Int, month: Int) async -> [String: Int] { stubbedCategoryPredictions }
+}