diff --git a/MLTraining/README.md b/MLTraining/README.md
new file mode 100644
index 0000000..89f7e6b
--- /dev/null
+++ b/MLTraining/README.md
@@ -0,0 +1,11 @@
+# MLTraining
+
+CategoryClassifier.mlmodel을 생성하는 1회성 Python 스크립트.
+앱 빌드에 포함되지 않음 — 모델을 새로 만들거나 시드 데이터를 늘릴 때만 수동 실행.
+
+## 실행
+\`\`\`
+python3 train.py
+\`\`\`
+
+생성된 `CategoryClassifier.mlmodel`을 `SpendLearning/SpendLearning/Resource/`로 복사하면 Xcode가 자동 인식.
diff --git a/MLTraining/seed_data.json b/MLTraining/seed_data.json
new file mode 100644
index 0000000..25c9827
--- /dev/null
+++ b/MLTraining/seed_data.json
@@ -0,0 +1,2002 @@
+[
+  {
+    "memo": "스타벅스",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "이디야커피",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "빽다방",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "메가커피",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "투썸플레이스",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "컴포즈커피",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "폴바셋",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "배스킨라빈스",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "설빙",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "공차",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "할리스커피",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "커피빈",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "탐앤탐스",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "엔제리너스",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "요거프레소",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "더벤티",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "매머드커피",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "파스쿠찌",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "블루보틀",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "던킨도너츠",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "크리스피크림도넛",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "빙수집",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "붕어빵",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "타로",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "쥬씨",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "스무디킹",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "베스킨라빈스31",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "나뚜루",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "다연",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "빵집",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "파리바게뜨",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "뚜레쥬르",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "성심당",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "매쓰커피",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "카페베네",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "커피나무",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "이삭토스트",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "코너스톤커피",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "몽슈슈",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "와플대학",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "아이스크림할인점",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "떡볶이집",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "붕어싸만코",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "커피에반하다",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "카페드파리",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "얼음골빙수",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "미스터도넛",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "빽다방커피",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "카페공드리",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "달콤커피",
+    "category": "카페/간식"
+  },
+  {
+    "memo": "김밥천국",
+    "category": "식비"
+  },
+  {
+    "memo": "맥도날드",
+    "category": "식비"
+  },
+  {
+    "memo": "배달의민족",
+    "category": "식비"
+  },
+  {
+    "memo": "이마트",
+    "category": "식비"
+  },
+  {
+    "memo": "국밥집",
+    "category": "식비"
+  },
+  {
+    "memo": "burger king",
+    "category": "식비"
+  },
+  {
+    "memo": "본죽",
+    "category": "식비"
+  },
+  {
+    "memo": "교촌치킨",
+    "category": "식비"
+  },
+  {
+    "memo": "홈플러스",
+    "category": "식비"
+  },
+  {
+    "memo": "요기요",
+    "category": "식비"
+  },
+  {
+    "memo": "쿠팡이츠",
+    "category": "식비"
+  },
+  {
+    "memo": "롯데리아",
+    "category": "식비"
+  },
+  {
+    "memo": "버거킹",
+    "category": "식비"
+  },
+  {
+    "memo": "맘스터치",
+    "category": "식비"
+  },
+  {
+    "memo": "bhc치킨",
+    "category": "식비"
+  },
+  {
+    "memo": "굽네치킨",
+    "category": "식비"
+  },
+  {
+    "memo": "네네치킨",
+    "category": "식비"
+  },
+  {
+    "memo": "노브랜드버거",
+    "category": "식비"
+  },
+  {
+    "memo": "김가네",
+    "category": "식비"
+  },
+  {
+    "memo": "본가",
+    "category": "식비"
+  },
+  {
+    "memo": "명륜진사갈비",
+    "category": "식비"
+  },
+  {
+    "memo": "한솥도시락",
+    "category": "식비"
+  },
+  {
+    "memo": "역전할머니맥주",
+    "category": "식비"
+  },
+  {
+    "memo": "농협하나로마트",
+    "category": "식비"
+  },
+  {
+    "memo": "GS25",
+    "category": "식비"
+  },
+  {
+    "memo": "CU편의점",
+    "category": "식비"
+  },
+  {
+    "memo": "세븐일레븐",
+    "category": "식비"
+  },
+  {
+    "memo": "이마트24",
+    "category": "식비"
+  },
+  {
+    "memo": "롯데마트",
+    "category": "식비"
+  },
+  {
+    "memo": "코스트코",
+    "category": "식비"
+  },
+  {
+    "memo": "traders",
+    "category": "식비"
+  },
+  {
+    "memo": "설렁탕집",
+    "category": "식비"
+  },
+  {
+    "memo": "냉면집",
+    "category": "식비"
+  },
+  {
+    "memo": "짜장면집",
+    "category": "식비"
+  },
+  {
+    "memo": "중국집",
+    "category": "식비"
+  },
+  {
+    "memo": "초밥집",
+    "category": "식비"
+  },
+  {
+    "memo": "돈까스집",
+    "category": "식비"
+  },
+  {
+    "memo": "파스타집",
+    "category": "식비"
+  },
+  {
+    "memo": "피자헛",
+    "category": "식비"
+  },
+  {
+    "memo": "도미노피자",
+    "category": "식비"
+  },
+  {
+    "memo": "미스터피자",
+    "category": "식비"
+  },
+  {
+    "memo": "곱창집",
+    "category": "식비"
+  },
+  {
+    "memo": "족발집",
+    "category": "식비"
+  },
+  {
+    "memo": "보쌈집",
+    "category": "식비"
+  },
+  {
+    "memo": "삼겹살집",
+    "category": "식비"
+  },
+  {
+    "memo": "이자카야",
+    "category": "식비"
+  },
+  {
+    "memo": "포장마차",
+    "category": "식비"
+  },
+  {
+    "memo": "분식집",
+    "category": "식비"
+  },
+  {
+    "memo": "샐러디",
+    "category": "식비"
+  },
+  {
+    "memo": "서브웨이",
+    "category": "식비"
+  },
+  {
+    "memo": "지하철",
+    "category": "교통"
+  },
+  {
+    "memo": "택시",
+    "category": "교통"
+  },
+  {
+    "memo": "카카오T",
+    "category": "교통"
+  },
+  {
+    "memo": "버스",
+    "category": "교통"
+  },
+  {
+    "memo": "SRT",
+    "category": "교통"
+  },
+  {
+    "memo": "KTX",
+    "category": "교통"
+  },
+  {
+    "memo": "티머니",
+    "category": "교통"
+  },
+  {
+    "memo": "쏘카",
+    "category": "교통"
+  },
+  {
+    "memo": "고속버스",
+    "category": "교통"
+  },
+  {
+    "memo": "주차장",
+    "category": "교통"
+  },
+  {
+    "memo": "그린카",
+    "category": "교통"
+  },
+  {
+    "memo": "우버택시",
+    "category": "교통"
+  },
+  {
+    "memo": "타다",
+    "category": "교통"
+  },
+  {
+    "memo": "코레일",
+    "category": "교통"
+  },
+  {
+    "memo": "공항버스",
+    "category": "교통"
+  },
+  {
+    "memo": "리무진버스",
+    "category": "교통"
+  },
+  {
+    "memo": "톨게이트",
+    "category": "교통"
+  },
+  {
+    "memo": "주유소",
+    "category": "교통"
+  },
+  {
+    "memo": "GS칼텍스",
+    "category": "교통"
+  },
+  {
+    "memo": "SK주유소",
+    "category": "교통"
+  },
+  {
+    "memo": "S OIL",
+    "category": "교통"
+  },
+  {
+    "memo": "현대오일뱅크",
+    "category": "교통"
+  },
+  {
+    "memo": "고속도로통행료",
+    "category": "교통"
+  },
+  {
+    "memo": "따릉이",
+    "category": "교통"
+  },
+  {
+    "memo": "카카오바이크",
+    "category": "교통"
+  },
+  {
+    "memo": "전기차충전",
+    "category": "교통"
+  },
+  {
+    "memo": "마을버스",
+    "category": "교통"
+  },
+  {
+    "memo": "공항철도",
+    "category": "교통"
+  },
+  {
+    "memo": "신분당선",
+    "category": "교통"
+  },
+  {
+    "memo": "제주항공",
+    "category": "교통"
+  },
+  {
+    "memo": "대한항공",
+    "category": "교통"
+  },
+  {
+    "memo": "아시아나항공",
+    "category": "교통"
+  },
+  {
+    "memo": "진에어",
+    "category": "교통"
+  },
+  {
+    "memo": "티웨이항공",
+    "category": "교통"
+  },
+  {
+    "memo": "렌터카",
+    "category": "교통"
+  },
+  {
+    "memo": "롯데렌터카",
+    "category": "교통"
+  },
+  {
+    "memo": "SK렌터카",
+    "category": "교통"
+  },
+  {
+    "memo": "발렛파킹",
+    "category": "교통"
+  },
+  {
+    "memo": "여객선",
+    "category": "교통"
+  },
+  {
+    "memo": "케이블카",
+    "category": "교통"
+  },
+  {
+    "memo": "자동차보험",
+    "category": "교통"
+  },
+  {
+    "memo": "자동차정비소",
+    "category": "교통"
+  },
+  {
+    "memo": "세차장",
+    "category": "교통"
+  },
+  {
+    "memo": "타이어뱅크",
+    "category": "교통"
+  },
+  {
+    "memo": "김포공항",
+    "category": "교통"
+  },
+  {
+    "memo": "인천공항",
+    "category": "교통"
+  },
+  {
+    "memo": "택시비",
+    "category": "교통"
+  },
+  {
+    "memo": "버스비",
+    "category": "교통"
+  },
+  {
+    "memo": "지하철비",
+    "category": "교통"
+  },
+  {
+    "memo": "하이패스",
+    "category": "교통"
+  },
+  {
+    "memo": "쿠팡",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "무신사",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "올리브영",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "다이소",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "지마켓",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "11번가",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "유니클로",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "나이키",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "에이블리",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "당근마켓",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "옥션",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "인터파크",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "티몬",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "위메프",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "SSG닷컴",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "롯데온",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "아디다스",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "자라",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "H&M",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "지그재그",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "브랜디",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "무인양품",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "이케아",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "노브랜드",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "삼성디지털프라자",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "하이마트",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "애플스토어",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "교보문고",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "영풍문고",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "알라딘중고서점",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "예스24",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "롯데백화점",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "신세계백화점",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "현대백화점",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "코오롱스포츠",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "노스페이스",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "뉴발란스",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "폴로",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "탑텐",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "스파오",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "이랜드",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "다나와",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "번개장터",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "중고나라",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "오늘의집",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "화장품가게",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "아이오페",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "이니스프리",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "미샤",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "네이버쇼핑",
+    "category": "쇼핑"
+  },
+  {
+    "memo": "CGV",
+    "category": "여가"
+  },
+  {
+    "memo": "롯데시네마",
+    "category": "여가"
+  },
+  {
+    "memo": "PC방",
+    "category": "여가"
+  },
+  {
+    "memo": "노래방",
+    "category": "여가"
+  },
+  {
+    "memo": "메가박스",
+    "category": "여가"
+  },
+  {
+    "memo": "볼링장",
+    "category": "여가"
+  },
+  {
+    "memo": "당구장",
+    "category": "여가"
+  },
+  {
+    "memo": "골프연습장",
+    "category": "여가"
+  },
+  {
+    "memo": "놀이공원",
+    "category": "여가"
+  },
+  {
+    "memo": "전시회",
+    "category": "여가"
+  },
+  {
+    "memo": "에버랜드",
+    "category": "여가"
+  },
+  {
+    "memo": "롯데월드",
+    "category": "여가"
+  },
+  {
+    "memo": "워터파크",
+    "category": "여가"
+  },
+  {
+    "memo": "찜질방",
+    "category": "여가"
+  },
+  {
+    "memo": "사우나",
+    "category": "여가"
+  },
+  {
+    "memo": "스크린골프",
+    "category": "여가"
+  },
+  {
+    "memo": "방탈출카페",
+    "category": "여가"
+  },
+  {
+    "memo": "보드게임카페",
+    "category": "여가"
+  },
+  {
+    "memo": "만화카페",
+    "category": "여가"
+  },
+  {
+    "memo": "동물원",
+    "category": "여가"
+  },
+  {
+    "memo": "아쿠아리움",
+    "category": "여가"
+  },
+  {
+    "memo": "박물관",
+    "category": "여가"
+  },
+  {
+    "memo": "미술관",
+    "category": "여가"
+  },
+  {
+    "memo": "콘서트",
+    "category": "여가"
+  },
+  {
+    "memo": "뮤지컬",
+    "category": "여가"
+  },
+  {
+    "memo": "연극",
+    "category": "여가"
+  },
+  {
+    "memo": "야구장",
+    "category": "여가"
+  },
+  {
+    "memo": "축구장",
+    "category": "여가"
+  },
+  {
+    "memo": "낚시터",
+    "category": "여가"
+  },
+  {
+    "memo": "캠핑장",
+    "category": "여가"
+  },
+  {
+    "memo": "펜션",
+    "category": "여가"
+  },
+  {
+    "memo": "호텔",
+    "category": "여가"
+  },
+  {
+    "memo": "리조트",
+    "category": "여가"
+  },
+  {
+    "memo": "에어비앤비",
+    "category": "여가"
+  },
+  {
+    "memo": "야놀자",
+    "category": "여가"
+  },
+  {
+    "memo": "여기어때",
+    "category": "여가"
+  },
+  {
+    "memo": "스키장",
+    "category": "여가"
+  },
+  {
+    "memo": "수영장",
+    "category": "여가"
+  },
+  {
+    "memo": "클라이밍장",
+    "category": "여가"
+  },
+  {
+    "memo": "탁구장",
+    "category": "여가"
+  },
+  {
+    "memo": "테니스장",
+    "category": "여가"
+  },
+  {
+    "memo": "게임방",
+    "category": "여가"
+  },
+  {
+    "memo": "오락실",
+    "category": "여가"
+  },
+  {
+    "memo": "코인노래방",
+    "category": "여가"
+  },
+  {
+    "memo": "VR방",
+    "category": "여가"
+  },
+  {
+    "memo": "다트바",
+    "category": "여가"
+  },
+  {
+    "memo": "포켓볼장",
+    "category": "여가"
+  },
+  {
+    "memo": "실내낚시터",
+    "category": "여가"
+  },
+  {
+    "memo": "루지체험장",
+    "category": "여가"
+  },
+  {
+    "memo": "온천",
+    "category": "여가"
+  },
+  {
+    "memo": "SKT",
+    "category": "통신비"
+  },
+  {
+    "memo": "KT",
+    "category": "통신비"
+  },
+  {
+    "memo": "LG유플러스",
+    "category": "통신비"
+  },
+  {
+    "memo": "알뜰폰",
+    "category": "통신비"
+  },
+  {
+    "memo": "핸드폰요금",
+    "category": "통신비"
+  },
+  {
+    "memo": "인터넷요금",
+    "category": "통신비"
+  },
+  {
+    "memo": "휴대폰보험",
+    "category": "통신비"
+  },
+  {
+    "memo": "통신요금",
+    "category": "통신비"
+  },
+  {
+    "memo": "SK텔레콤",
+    "category": "통신비"
+  },
+  {
+    "memo": "케이티",
+    "category": "통신비"
+  },
+  {
+    "memo": "엘지유플러스",
+    "category": "통신비"
+  },
+  {
+    "memo": "우체국알뜰폰",
+    "category": "통신비"
+  },
+  {
+    "memo": "KT M모바일",
+    "category": "통신비"
+  },
+  {
+    "memo": "헬로모바일",
+    "category": "통신비"
+  },
+  {
+    "memo": "U+유모바일",
+    "category": "통신비"
+  },
+  {
+    "memo": "스카이라이프",
+    "category": "통신비"
+  },
+  {
+    "memo": "IPTV요금",
+    "category": "통신비"
+  },
+  {
+    "memo": "와이파이요금",
+    "category": "통신비"
+  },
+  {
+    "memo": "공유기요금",
+    "category": "통신비"
+  },
+  {
+    "memo": "데이터요금",
+    "category": "통신비"
+  },
+  {
+    "memo": "통신사멤버십",
+    "category": "통신비"
+  },
+  {
+    "memo": "휴대폰수리비",
+    "category": "통신비"
+  },
+  {
+    "memo": "휴대폰액정수리",
+    "category": "통신비"
+  },
+  {
+    "memo": "유심비",
+    "category": "통신비"
+  },
+  {
+    "memo": "기기변경할부금",
+    "category": "통신비"
+  },
+  {
+    "memo": "핸드폰할부금",
+    "category": "통신비"
+  },
+  {
+    "memo": "케이블방송료",
+    "category": "통신비"
+  },
+  {
+    "memo": "KT인터넷",
+    "category": "통신비"
+  },
+  {
+    "memo": "SK브로드밴드",
+    "category": "통신비"
+  },
+  {
+    "memo": "LG헬로비전",
+    "category": "통신비"
+  },
+  {
+    "memo": "국제전화요금",
+    "category": "통신비"
+  },
+  {
+    "memo": "로밍요금",
+    "category": "통신비"
+  },
+  {
+    "memo": "번호이동",
+    "category": "통신비"
+  },
+  {
+    "memo": "선불유심",
+    "category": "통신비"
+  },
+  {
+    "memo": "eSIM",
+    "category": "통신비"
+  },
+  {
+    "memo": "핸드폰케이스구매",
+    "category": "통신비"
+  },
+  {
+    "memo": "충전기구매",
+    "category": "통신비"
+  },
+  {
+    "memo": "핸드폰필름",
+    "category": "통신비"
+  },
+  {
+    "memo": "통신비자동이체",
+    "category": "통신비"
+  },
+  {
+    "memo": "모바일요금제",
+    "category": "통신비"
+  },
+  {
+    "memo": "가족결합할인",
+    "category": "통신비"
+  },
+  {
+    "memo": "인터넷설치비",
+    "category": "통신비"
+  },
+  {
+    "memo": "셋톱박스요금",
+    "category": "통신비"
+  },
+  {
+    "memo": "공기계구매",
+    "category": "통신비"
+  },
+  {
+    "memo": "휴대폰배터리교체",
+    "category": "통신비"
+  },
+  {
+    "memo": "통신사위약금",
+    "category": "통신비"
+  },
+  {
+    "memo": "부가서비스요금",
+    "category": "통신비"
+  },
+  {
+    "memo": "테더링요금",
+    "category": "통신비"
+  },
+  {
+    "memo": "쓰리모바일",
+    "category": "통신비"
+  },
+  {
+    "memo": "프리티",
+    "category": "통신비"
+  },
+  {
+    "memo": "약국",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "병원",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "한의원",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "헬스장",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "치과",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "정형외과",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "필라테스",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "요가원",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "건강검진",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "안경점",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "피부과",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "성형외과",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "안과",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "이비인후과",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "산부인과",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "소아과",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "내과",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "정신건강의학과",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "재활의학과",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "물리치료실",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "동물병원",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "건강보조식품",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "영양제구매",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "종합비타민",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "마스크구매",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "체육관",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "크로스핏",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "PT비용",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "발마사지",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "마사지샵",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "한약방",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "침술원",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "정신과상담료",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "심리상담센터",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "임플란트비용",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "스케일링비용",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "MRI검사비",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "엑스레이검사비",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "예방접종비",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "독감주사비",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "약국처방전",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "콘택트렌즈구매",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "보청기구매",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "다이어트한약",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "산후조리원",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "건강기능식품",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "혈압측정기구매",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "체중계구매",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "구급약구매",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "온누리약국",
+    "category": "의료/건강"
+  },
+  {
+    "memo": "넷플릭스",
+    "category": "구독"
+  },
+  {
+    "memo": "유튜브프리미엄",
+    "category": "구독"
+  },
+  {
+    "memo": "멜론",
+    "category": "구독"
+  },
+  {
+    "memo": "왓챠",
+    "category": "구독"
+  },
+  {
+    "memo": "디즈니플러스",
+    "category": "구독"
+  },
+  {
+    "memo": "스포티파이",
+    "category": "구독"
+  },
+  {
+    "memo": "쿠팡플레이",
+    "category": "구독"
+  },
+  {
+    "memo": "웨이브",
+    "category": "구독"
+  },
+  {
+    "memo": "밀리의서재",
+    "category": "구독"
+  },
+  {
+    "memo": "네이버플러스",
+    "category": "구독"
+  },
+  {
+    "memo": "티빙",
+    "category": "구독"
+  },
+  {
+    "memo": "지니뮤직",
+    "category": "구독"
+  },
+  {
+    "memo": "플로",
+    "category": "구독"
+  },
+  {
+    "memo": "애플뮤직",
+    "category": "구독"
+  },
+  {
+    "memo": "애플TV플러스",
+    "category": "구독"
+  },
+  {
+    "memo": "유데미",
+    "category": "구독"
+  },
+  {
+    "memo": "클래스101",
+    "category": "구독"
+  },
+  {
+    "memo": "리디셀렉트",
+    "category": "구독"
+  },
+  {
+    "memo": "윌라오디오북",
+    "category": "구독"
+  },
+  {
+    "memo": "노션플러스",
+    "category": "구독"
+  },
+  {
+    "memo": "챗지피티구독",
+    "category": "구독"
+  },
+  {
+    "memo": "클로드구독",
+    "category": "구독"
+  },
+  {
+    "memo": "아이클라우드용량",
+    "category": "구독"
+  },
+  {
+    "memo": "구글원",
+    "category": "구독"
+  },
+  {
+    "memo": "드롭박스구독",
+    "category": "구독"
+  },
+  {
+    "memo": "어도비구독",
+    "category": "구독"
+  },
+  {
+    "memo": "마이크로소프트365",
+    "category": "구독"
+  },
+  {
+    "memo": "쿠팡와우멤버십",
+    "category": "구독"
+  },
+  {
+    "memo": "네이버웹툰쿠키",
+    "category": "구독"
+  },
+  {
+    "memo": "카카오웹툰이용권",
+    "category": "구독"
+  },
+  {
+    "memo": "리멤버프로",
+    "category": "구독"
+  },
+  {
+    "memo": "토스프라임",
+    "category": "구독"
+  },
+  {
+    "memo": "옥수수구독",
+    "category": "구독"
+  },
+  {
+    "memo": "지식iN구독",
+    "category": "구독"
+  },
+  {
+    "memo": "밴드팬클럽구독",
+    "category": "구독"
+  },
+  {
+    "memo": "온라인클래스구독",
+    "category": "구독"
+  },
+  {
+    "memo": "신문구독료",
+    "category": "구독"
+  },
+  {
+    "memo": "조선일보구독",
+    "category": "구독"
+  },
+  {
+    "memo": "동아일보구독",
+    "category": "구독"
+  },
+  {
+    "memo": "우유구독",
+    "category": "구독"
+  },
+  {
+    "memo": "정기배송서비스",
+    "category": "구독"
+  },
+  {
+    "memo": "꽃구독서비스",
+    "category": "구독"
+  },
+  {
+    "memo": "면도날정기구독",
+    "category": "구독"
+  },
+  {
+    "memo": "생수정기배송",
+    "category": "구독"
+  },
+  {
+    "memo": "쿠팡로켓와우",
+    "category": "구독"
+  },
+  {
+    "memo": "밀키트정기구독",
+    "category": "구독"
+  },
+  {
+    "memo": "반찬정기배송",
+    "category": "구독"
+  },
+  {
+    "memo": "게임패스구독",
+    "category": "구독"
+  },
+  {
+    "memo": "플레이스테이션플러스",
+    "category": "구독"
+  },
+  {
+    "memo": "닌텐도온라인",
+    "category": "구독"
+  },
+  {
+    "memo": "축의금",
+    "category": "경조사"
+  },
+  {
+    "memo": "부의금",
+    "category": "경조사"
+  },
+  {
+    "memo": "화환",
+    "category": "경조사"
+  },
+  {
+    "memo": "돌잔치",
+    "category": "경조사"
+  },
+  {
+    "memo": "생일선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "결혼선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "조의금",
+    "category": "경조사"
+  },
+  {
+    "memo": "명절용돈",
+    "category": "경조사"
+  },
+  {
+    "memo": "개업축하",
+    "category": "경조사"
+  },
+  {
+    "memo": "부조금",
+    "category": "경조사"
+  },
+  {
+    "memo": "결혼식축의금",
+    "category": "경조사"
+  },
+  {
+    "memo": "장례식조의금",
+    "category": "경조사"
+  },
+  {
+    "memo": "돌잔치선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "백일잔치",
+    "category": "경조사"
+  },
+  {
+    "memo": "환갑잔치",
+    "category": "경조사"
+  },
+  {
+    "memo": "칠순잔치",
+    "category": "경조사"
+  },
+  {
+    "memo": "입학선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "졸업선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "취업축하선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "승진축하선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "이사선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "집들이선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "명절선물세트",
+    "category": "경조사"
+  },
+  {
+    "memo": "추석선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "설날세뱃돈",
+    "category": "경조사"
+  },
+  {
+    "memo": "어버이날선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "스승의날선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "화이트데이선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "발렌타인데이선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "크리스마스선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "출산축하선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "돌잔치답례품",
+    "category": "경조사"
+  },
+  {
+    "memo": "결혼식답례품",
+    "category": "경조사"
+  },
+  {
+    "memo": "제사비용",
+    "category": "경조사"
+  },
+  {
+    "memo": "성묘비용",
+    "category": "경조사"
+  },
+  {
+    "memo": "산소벌초비용",
+    "category": "경조사"
+  },
+  {
+    "memo": "화장장비용",
+    "category": "경조사"
+  },
+  {
+    "memo": "상조회비",
+    "category": "경조사"
+  },
+  {
+    "memo": "종교헌금",
+    "category": "경조사"
+  },
+  {
+    "memo": "십일조",
+    "category": "경조사"
+  },
+  {
+    "memo": "동창회비",
+    "category": "경조사"
+  },
+  {
+    "memo": "계모임회비",
+    "category": "경조사"
+  },
+  {
+    "memo": "회사경조사비",
+    "category": "경조사"
+  },
+  {
+    "memo": "부서회식경조비",
+    "category": "경조사"
+  },
+  {
+    "memo": "친구결혼축의금",
+    "category": "경조사"
+  },
+  {
+    "memo": "직장동료축의금",
+    "category": "경조사"
+  },
+  {
+    "memo": "은사님선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "회갑선물",
+    "category": "경조사"
+  },
+  {
+    "memo": "돌잡이용품구매",
+    "category": "경조사"
+  },
+  {
+    "memo": "장례용품구매",
+    "category": "경조사"
+  },
+  {
+    "memo": "기타지출",
+    "category": "기타"
+  },
+  {
+    "memo": "잡비",
+    "category": "기타"
+  },
+  {
+    "memo": "현금인출",
+    "category": "기타"
+  },
+  {
+    "memo": "기부",
+    "category": "기타"
+  },
+  {
+    "memo": "분실물",
+    "category": "기타"
+  },
+  {
+    "memo": "벌금",
+    "category": "기타"
+  },
+  {
+    "memo": "수수료",
+    "category": "기타"
+  },
+  {
+    "memo": "기타결제",
+    "category": "기타"
+  },
+  {
+    "memo": "미분류",
+    "category": "기타"
+  },
+  {
+    "memo": "잡화점",
+    "category": "기타"
+  },
+  {
+    "memo": "은행수수료",
+    "category": "기타"
+  },
+  {
+    "memo": "송금수수료",
+    "category": "기타"
+  },
+  {
+    "memo": "ATM수수료",
+    "category": "기타"
+  },
+  {
+    "memo": "환전수수료",
+    "category": "기타"
+  },
+  {
+    "memo": "주차위반과태료",
+    "category": "기타"
+  },
+  {
+    "memo": "속도위반과태료",
+    "category": "기타"
+  },
+  {
+    "memo": "세금",
+    "category": "기타"
+  },
+  {
+    "memo": "자동차세",
+    "category": "기타"
+  },
+  {
+    "memo": "재산세",
+    "category": "기타"
+  },
+  {
+    "memo": "종합소득세",
+    "category": "기타"
+  },
+  {
+    "memo": "복권구매",
+    "category": "기타"
+  },
+  {
+    "memo": "로또구매",
+    "category": "기타"
+  },
+  {
+    "memo": "동전기부함",
+    "category": "기타"
+  },
+  {
+    "memo": "유니세프후원",
+    "category": "기타"
+  },
+  {
+    "memo": "월드비전후원",
+    "category": "기타"
+  },
+  {
+    "memo": "분실카드재발급비",
+    "category": "기타"
+  },
+  {
+    "memo": "여권발급비",
+    "category": "기타"
+  },
+  {
+    "memo": "증명서발급비",
+    "category": "기타"
+  },
+  {
+    "memo": "인감증명수수료",
+    "category": "기타"
+  },
+  {
+    "memo": "공증수수료",
+    "category": "기타"
+  },
+  {
+    "memo": "변호사상담료",
+    "category": "기타"
+  },
+  {
+    "memo": "세무사수수료",
+    "category": "기타"
+  },
+  {
+    "memo": "택배비",
+    "category": "기타"
+  },
+  {
+    "memo": "우편요금",
+    "category": "기타"
+  },
+  {
+    "memo": "등기우편비",
+    "category": "기타"
+  },
+  {
+    "memo": "복사비",
+    "category": "기타"
+  },
+  {
+    "memo": "인쇄비",
+    "category": "기타"
+  },
+  {
+    "memo": "코인노래방잔돈",
+    "category": "기타"
+  },
+  {
+    "memo": "자판기음료",
+    "category": "기타"
+  },
+  {
+    "memo": "동전세탁방",
+    "category": "기타"
+  },
+  {
+    "memo": "정수기렌탈료",
+    "category": "기타"
+  },
+  {
+    "memo": "비데렌탈료",
+    "category": "기타"
+  },
+  {
+    "memo": "안마의자렌탈료",
+    "category": "기타"
+  },
+  {
+    "memo": "정기적금",
+    "category": "기타"
+  },
+  {
+    "memo": "적립식펀드",
+    "category": "기타"
+  },
+  {
+    "memo": "용돈",
+    "category": "기타"
+  },
+  {
+    "memo": "이체수수료",
+    "category": "기타"
+  },
+  {
+    "memo": "연체료",
+    "category": "기타"
+  },
+  {
+    "memo": "카드연회비",
+    "category": "기타"
+  },
+  {
+    "memo": "보관료",
+    "category": "기타"
+  }
+]
diff --git a/MLTraining/train.py b/MLTraining/train.py
new file mode 100644
index 0000000..c8871c2
--- /dev/null
+++ b/MLTraining/train.py
@@ -0,0 +1,101 @@
+import json
+import os
+from collections import Counter
+
+from coremltools.models import MLModel
+from coremltools.models.nearest_neighbors import KNearestNeighborsClassifierBuilder
+
+SCRIPT_DIR = os.path.dirname(os.path.abspath(__file__))
+SEED_DATA_PATH = os.path.join(SCRIPT_DIR, "seed_data.json")
+VOCAB_OUTPUT_PATH = os.path.join(SCRIPT_DIR, "vocabulary.json")
+MODEL_OUTPUT_PATH = os.path.join(SCRIPT_DIR, "CategoryClassifier.mlmodel")
+
+DEFAULT_CATEGORY = "기타"
+
+CHOSUNG = list("ㄱㄲㄴㄷㄸㄹㅁㅂㅃㅅㅆㅇㅈㅉㅊㅋㅌㅍㅎ")
+JUNGSUNG = list("ㅏㅐㅑㅒㅓㅔㅕㅖㅗㅘㅙㅚㅛㅜㅝㅞㅟㅠㅡㅢㅣ")
+JONGSUNG = [""] + list("ㄱㄲㄳㄴㄵㄶㄷㄹㄺㄻㄼㄽㄾㄿㅀㅁㅂㅄㅅㅆㅇㅈㅊㅋㅌㅍㅎ")
+
+HANGUL_BASE = 0xAC00
+HANGUL_LAST = 0xD7A3
+
+
+def decompose_hangul(char):
+    """완성형 한글 한 글자를 (초성, 중성, 종성) 튜플로 분해한다. 한글이 아니면 None."""
+    code = ord(char)
+    if not (HANGUL_BASE <= code <= HANGUL_LAST):
+        return None
+    offset = code - HANGUL_BASE
+    cho = offset // (21 * 28)
+    jung = (offset % (21 * 28)) // 28
+    jong = offset % 28
+    return (CHOSUNG[cho], JUNGSUNG[jung], JONGSUNG[jong])
+
+
+def tokenize(text):
+    """문자열을 자모 단위(한글은 초/중/종성으로 분해, 그 외는 원래 글자 그대로) 토큰 리스트로 변환한다."""
+    tokens = []
+    for char in text:
+        decomposed = decompose_hangul(char)
+        if decomposed:
+            cho, jung, jong = decomposed
+            tokens.append(cho)
+            tokens.append(jung)
+            if jong:
+                tokens.append("_" + jong)  # 종성은 초성과 겹치지 않도록 접두어를 붙인다
+        else:
+            tokens.append(char)
+    return tokens
+
+
+def build_vocabulary(memos):
+    """시드 데이터에 등장하는 모든 자모/문자를 모아 정렬된 vocabulary를 만든다."""
+    tokens = set()
+    for memo in memos:
+        tokens.update(tokenize(memo))
+    return sorted(tokens)
+
+
+def vectorize(memo, vocabulary):
+    """memo 문자열을 vocabulary 기준 자모 빈도 벡터로 변환한다."""
+    counts = Counter(tokenize(memo))
+    return [float(counts.get(token, 0)) for token in vocabulary]
+
+
+def main():
+    with open(SEED_DATA_PATH, encoding="utf-8") as f:
+        seed_data = json.load(f)
+
+    memos = [item["memo"] for item in seed_data]
+    labels = [item["category"] for item in seed_data]
+
+    vocabulary = build_vocabulary(memos)
+    print(f"Vocabulary 크기: {len(vocabulary)}개 (자모/문자 단위)")
+
+    vectors = [vectorize(memo, vocabulary) for memo in memos]
+
+    builder = KNearestNeighborsClassifierBuilder(
+        input_name="input",
+        output_name="label",
+        number_of_dimensions=len(vocabulary),
+        default_class_label=DEFAULT_CATEGORY,
+        number_of_neighbors=3,
+        weighting_scheme="inverse_distance",
+    )
+    builder.author = "SpendLearning"
+    builder.license = "Personal"
+    builder.description = "음성으로 입력한 상호명을 지출 카테고리로 분류하는 kNN 모델"
+
+    builder.add_samples(vectors, labels)
+
+    model = MLModel(builder.spec)
+    model.save(MODEL_OUTPUT_PATH)
+    print(f"모델 저장 완료: {MODEL_OUTPUT_PATH}")
+
+    with open(VOCAB_OUTPUT_PATH, "w", encoding="utf-8") as f:
+        json.dump(vocabulary, f, ensure_ascii=False, indent=2)
+    print(f"Vocabulary 저장 완료: {VOCAB_OUTPUT_PATH}")
+
+
+if __name__ == "__main__":
+    main()
diff --git a/SpendLearning/SpendLearning.xcodeproj/project.pbxproj b/SpendLearning/SpendLearning.xcodeproj/project.pbxproj
index 4443baa..58e30db 100644
--- a/SpendLearning/SpendLearning.xcodeproj/project.pbxproj
+++ b/SpendLearning/SpendLearning.xcodeproj/project.pbxproj
@@ -32,6 +32,7 @@
 		BCB415242FF52E7D00C9CABD /* Exceptions for "SpendLearning" folder in "SpendLearningTests" target */ = {
 			isa = PBXFileSystemSynchronizedBuildFileExceptionSet;
 			membershipExceptions = (
+				Source/Data/Predictors/CategoryPredictor.swift,
 				Source/Domain/Entities/Expense/CalendarDay.swift,
 				Source/Domain/Entities/Expense/Category.swift,
 				Source/Domain/Entities/Expense/Expense.swift,
diff --git a/SpendLearning/SpendLearning/Resource/CategoryClassifier.mlmodel b/SpendLearning/SpendLearning/Resource/CategoryClassifier.mlmodel
new file mode 100644
index 0000000..84558c7
Binary files /dev/null and b/SpendLearning/SpendLearning/Resource/CategoryClassifier.mlmodel differ
diff --git a/SpendLearning/SpendLearning/Resource/Info.plist b/SpendLearning/SpendLearning/Resource/Info.plist
index 0eb786d..1df64cf 100644
--- a/SpendLearning/SpendLearning/Resource/Info.plist
+++ b/SpendLearning/SpendLearning/Resource/Info.plist
@@ -2,6 +2,10 @@
 <!DOCTYPE plist PUBLIC "-//Apple//DTD PLIST 1.0//EN" "http://www.apple.com/DTDs/PropertyList-1.0.dtd">
 <plist version="1.0">
 <dict>
+	<key>NSMicrophoneUsageDescription</key>
+	<string>음성으로 소비를 기록하기 위해 마이크 접근 권한이 필요합니다.</string>
+	<key>NSSpeechRecognitionUsageDescription</key>
+	<string>음성을 텍스트로 변환해 자동으로 입력하기 위해 음성 인식 권한이 필요합니다.</string>
 	<key>UIApplicationSceneManifest</key>
 	<dict>
 		<key>UIApplicationSupportsMultipleScenes</key>
diff --git a/SpendLearning/SpendLearning/Resource/vocabulary.json b/SpendLearning/SpendLearning/Resource/vocabulary.json
new file mode 100644
index 0000000..92a23a3
--- /dev/null
+++ b/SpendLearning/SpendLearning/Resource/vocabulary.json
@@ -0,0 +1,92 @@
+[
+  " ",
+  "&",
+  "+",
+  "0",
+  "1",
+  "2",
+  "3",
+  "4",
+  "5",
+  "6",
+  "A",
+  "C",
+  "G",
+  "H",
+  "I",
+  "K",
+  "L",
+  "M",
+  "N",
+  "O",
+  "P",
+  "R",
+  "S",
+  "T",
+  "U",
+  "V",
+  "X",
+  "_ㄱ",
+  "_ㄲ",
+  "_ㄴ",
+  "_ㄹ",
+  "_ㅁ",
+  "_ㅂ",
+  "_ㅅ",
+  "_ㅇ",
+  "_ㅊ",
+  "_ㅌ",
+  "a",
+  "b",
+  "c",
+  "d",
+  "e",
+  "g",
+  "h",
+  "i",
+  "k",
+  "n",
+  "r",
+  "s",
+  "t",
+  "u",
+  "ㄱ",
+  "ㄲ",
+  "ㄴ",
+  "ㄷ",
+  "ㄸ",
+  "ㄹ",
+  "ㅁ",
+  "ㅂ",
+  "ㅃ",
+  "ㅅ",
+  "ㅆ",
+  "ㅇ",
+  "ㅈ",
+  "ㅉ",
+  "ㅊ",
+  "ㅋ",
+  "ㅌ",
+  "ㅍ",
+  "ㅎ",
+  "ㅏ",
+  "ㅐ",
+  "ㅑ",
+  "ㅓ",
+  "ㅔ",
+  "ㅕ",
+  "ㅖ",
+  "ㅗ",
+  "ㅘ",
+  "ㅙ",
+  "ㅚ",
+  "ㅛ",
+  "ㅜ",
+  "ㅝ",
+  "ㅞ",
+  "ㅟ",
+  "ㅠ",
+  "ㅡ",
+  "ㅢ",
+  "ㅣ"
+]
diff --git a/SpendLearning/SpendLearning/Source/App/SceneDelegate.swift b/SpendLearning/SpendLearning/Source/App/SceneDelegate.swift
index 4b90f73..8bcac0f 100644
--- a/SpendLearning/SpendLearning/Source/App/SceneDelegate.swift
+++ b/SpendLearning/SpendLearning/Source/App/SceneDelegate.swift
@@ -52,6 +52,23 @@ class SceneDelegate: UIResponder, UIWindowSceneDelegate {
             selectedImage: UIImage(systemName: "house.fill")
         )
 
+        let categoryPredictor = CategoryPredictor()
+        let voiceExpenseViewModel = VoiceExpenseViewModel(
+            categoryUseCase: categoryUseCase,
+            categoryPredictor: categoryPredictor
+        )
+        let voiceExpenseViewController = VoiceExpenseViewController(
+            viewModel: voiceExpenseViewModel,
+            expenseUseCase: expenseUseCase,
+            categoryUseCase: categoryUseCase,
+            categoryPredictor: categoryPredictor
+        )
+        voiceExpenseViewController.tabBarItem = UITabBarItem(
+            title: "음성추가",
+            image: UIImage(systemName: "microphone"),
+            selectedImage: UIImage(systemName: "microphone.fill")
+        )
+
         let predictionUseCase = PredictionUseCase(repository: SwiftDataPredictionRepository(modelContext: modelContext, expenseRepository: expenseRepository), expenseRepository: expenseRepository)
         let predictionViewModel = PredictionViewModel(expenseUseCase: expenseUseCase, predictionUseCase: predictionUseCase)
         let predictionViewController = UIHostingController(rootView: PredictionView(viewModel: predictionViewModel))
@@ -64,7 +81,8 @@ class SceneDelegate: UIResponder, UIWindowSceneDelegate {
         let settingsViewController = SettingsViewController(
             categoryUseCase: categoryUseCase,
             expenseUseCase: expenseUseCase,
-            predictionUseCase: predictionUseCase
+            predictionUseCase: predictionUseCase,
+            categoryPredictor: categoryPredictor
         )
         settingsViewController.tabBarItem = UITabBarItem(
             title: "설정",
@@ -73,7 +91,7 @@ class SceneDelegate: UIResponder, UIWindowSceneDelegate {
         )
 
         let tabBar = UITabBarController()
-        tabBar.viewControllers = [homeViewController, predictionViewController, settingsViewController]
+        tabBar.viewControllers = [homeViewController, voiceExpenseViewController, predictionViewController, settingsViewController]
         tabBar.tabBar.tintColor = .DesignSystem.accent
 
         return tabBar
diff --git a/SpendLearning/SpendLearning/Source/Data/Predictors/CategoryPredictor.swift b/SpendLearning/SpendLearning/Source/Data/Predictors/CategoryPredictor.swift
new file mode 100644
index 0000000..f4a5ec7
--- /dev/null
+++ b/SpendLearning/SpendLearning/Source/Data/Predictors/CategoryPredictor.swift
@@ -0,0 +1,173 @@
+//
+//  CategoryPredictor.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/16/26.
+//
+
+import CoreML
+import Foundation
+
+final class CategoryPredictor {
+
+    // MARK: - Constants
+
+    private static let chosung = Array("ㄱㄲㄴㄷㄸㄹㅁㅂㅃㅅㅆㅇㅈㅉㅊㅋㅌㅍㅎ").map(String.init)
+    private static let jungsung = Array("ㅏㅐㅑㅒㅓㅔㅕㅖㅗㅘㅙㅚㅛㅜㅝㅞㅟㅠㅡㅢㅣ").map(String.init)
+    private static let jongsung = [""] + Array("ㄱㄲㄳㄴㄵㄶㄷㄹㄺㄻㄼㄽㄾㄿㅀㅁㅂㅄㅅㅆㅇㅈㅊㅋㅌㅍㅎ").map(String.init)
+
+    private static let fallbackCategory = "기타"
+
+    // MARK: - Private
+
+    private let vocabulary: [String]
+    private var modelURL: URL?
+    private var model: MLModel?
+
+    // MARK: - Init
+
+    init() {
+        self.vocabulary = Self.loadVocabulary()
+        prepareWritableModel()
+    }
+
+    // MARK: - Predict
+
+    /// memo로부터 카테고리를 예측한다. 실패해도 항상 폴백 카테고리를 반환한다.
+    func predict(memo: String) -> (category: String, confidence: Double) {
+        guard let model, let vector = try? Self.vectorize(memo, vocabulary: vocabulary) else {
+            return (Self.fallbackCategory, 0)
+        }
+        do {
+            let provider = try MLDictionaryFeatureProvider(dictionary: ["input": vector])
+            let output = try model.prediction(from: provider)
+            guard let label = output.featureValue(for: "label")?.stringValue else {
+                return (Self.fallbackCategory, 0)
+            }
+            let confidence = output.featureValue(for: "labelProbs")?.dictionaryValue[label]?.doubleValue ?? 0
+            return (label, confidence)
+        } catch {
+            return (Self.fallbackCategory, 0)
+        }
+    }
+
+    // MARK: - Update
+
+    /// 사용자가 확정한 (memo, category) 쌍을 모델에 즉시 반영해 온디바이스로 학습한다.
+    func update(memo: String, confirmedCategory: String) async throws {
+        guard let modelURL else { return }
+        let vector = try Self.vectorize(memo, vocabulary: vocabulary)
+        let row = try MLDictionaryFeatureProvider(dictionary: ["input": vector, "label": confirmedCategory])
+        let trainingData = MLArrayBatchProvider(array: [row])
+
+        try await withCheckedThrowingContinuation { (continuation: CheckedContinuation<Void, Error>) in
+            do {
+                let task = try MLUpdateTask(
+                    forModelAt: modelURL,
+                    trainingData: trainingData,
+                    configuration: nil,
+                    completionHandler: { [weak self] context in
+                        do {
+                            try context.model.write(to: modelURL)
+                            self?.model = try MLModel(contentsOf: modelURL)
+                            continuation.resume()
+                        } catch {
+                            continuation.resume(throwing: error)
+                        }
+                    }
+                )
+                task.resume()
+            } catch {
+                continuation.resume(throwing: error)
+            }
+        }
+    }
+
+    // MARK: - Reset
+
+    /// 온디바이스 학습 데이터를 모두 지우고 번들에 포함된 원본 모델로 되돌린다.
+    func resetToBundledModel() {
+        guard let modelURL else { return }
+        let fileManager = FileManager.default
+        try? fileManager.removeItem(at: modelURL)
+
+        guard let bundledCompiledURL = Bundle.main.url(forResource: "CategoryClassifier", withExtension: "mlmodelc") else {
+            return
+        }
+        try? fileManager.copyItem(at: bundledCompiledURL, to: modelURL)
+        self.model = try? MLModel(contentsOf: modelURL)
+    }
+}
+
+// MARK: - Setup
+
+private extension CategoryPredictor {
+
+    func prepareWritableModel() {
+        let fileManager = FileManager.default
+        guard let supportDir = fileManager.urls(for: .applicationSupportDirectory, in: .userDomainMask).first else {
+            return
+        }
+        try? fileManager.createDirectory(at: supportDir, withIntermediateDirectories: true)
+
+        let writableURL = supportDir.appendingPathComponent("CategoryClassifier.mlmodelc")
+        self.modelURL = writableURL
+
+        guard let bundledCompiledURL = Bundle.main.url(forResource: "CategoryClassifier", withExtension: "mlmodelc") else {
+            self.model = try? MLModel(contentsOf: writableURL)
+            return
+        }
+
+        try? fileManager.removeItem(at: writableURL)
+        try? fileManager.copyItem(at: bundledCompiledURL, to: writableURL)
+
+        self.model = try? MLModel(contentsOf: writableURL)
+    }
+
+    static func loadVocabulary() -> [String] {
+        guard let url = Bundle.main.url(forResource: "vocabulary", withExtension: "json"),
+              let data = try? Data(contentsOf: url),
+              let vocabulary = try? JSONDecoder().decode([String].self, from: data) else {
+            return []
+        }
+        return vocabulary
+    }
+}
+
+// MARK: - Vectorization (train.py의 tokenize/vectorize와 반드시 동일해야 한다)
+
+private extension CategoryPredictor {
+
+    static func tokenize(_ text: String) -> [String] {
+        var tokens: [String] = []
+        for scalar in text.unicodeScalars {
+            let code = Int(scalar.value)
+            if code >= 0xAC00 && code <= 0xD7A3 {
+                let offset = code - 0xAC00
+                let choIndex = offset / (21 * 28)
+                let jungIndex = (offset % (21 * 28)) / 28
+                let jongIndex = offset % 28
+                tokens.append(chosung[choIndex])
+                tokens.append(jungsung[jungIndex])
+                if jongIndex != 0 {
+                    tokens.append("_" + jongsung[jongIndex])
+                }
+            } else {
+                tokens.append(String(scalar))
+            }
+        }
+        return tokens
+    }
+
+    static func vectorize(_ text: String, vocabulary: [String]) throws -> MLMultiArray {
+        var counts: [String: Int] = [:]
+        for token in tokenize(text) {
+            counts[token, default: 0] += 1
+        }
+        let array = try MLMultiArray(shape: [NSNumber(value: vocabulary.count)], dataType: .double)
+        for (index, token) in vocabulary.enumerated() {
+            array[index] = NSNumber(value: Double(counts[token] ?? 0))
+        }
+        return array
+    }
+}
diff --git a/SpendLearning/SpendLearning/Source/Domain/Parsers/VoiceExpenseParser.swift b/SpendLearning/SpendLearning/Source/Domain/Parsers/VoiceExpenseParser.swift
new file mode 100644
index 0000000..b708576
--- /dev/null
+++ b/SpendLearning/SpendLearning/Source/Domain/Parsers/VoiceExpenseParser.swift
@@ -0,0 +1,48 @@
+//
+//  VoiceExpenseParser.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/16/26.
+//
+
+import Foundation
+
+struct VoiceExpenseParser {
+
+    struct ParsedExpense {
+        let memo: String
+        let amount: Int
+    }
+
+    enum ParseError: Error {
+        case amountNotFound
+        case memoEmpty
+    }
+
+    /// "스타벅스 4500원" 같은 문장에서 메모와 금액을 분리한다.
+    func parse(_ transcript: String) -> Result<ParsedExpense, ParseError> {
+        let trimmed = transcript.trimmingCharacters(in: .whitespacesAndNewlines)
+
+        guard let range = trimmed.range(
+            of: #"[0-9][0-9,]*\s*(원|₩)"#,
+            options: .regularExpression
+        ) else {
+            return .failure(.amountNotFound)
+        }
+
+        let amountDigits = trimmed[range].filter { $0.isNumber }
+        guard let amount = Int(amountDigits), amount > 0 else {
+            return .failure(.amountNotFound)
+        }
+
+        let memo = trimmed[trimmed.startIndex..<range.lowerBound]
+            .trimmingCharacters(in: .whitespaces)
+            .trimmingCharacters(in: CharacterSet(charactersIn: "-₩"))
+            .trimmingCharacters(in: .whitespaces)
+        guard !memo.isEmpty else {
+            return .failure(.memoEmpty)
+        }
+
+        return .success(ParsedExpense(memo: memo, amount: amount))
+    }
+}
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/Home/HomeViewController.swift b/SpendLearning/SpendLearning/Source/Presentation/View/Home/HomeViewController.swift
index 4a332ad..c646eda 100644
--- a/SpendLearning/SpendLearning/Source/Presentation/View/Home/HomeViewController.swift
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/Home/HomeViewController.swift
@@ -455,14 +455,24 @@ private extension HomeViewController {
     }
 
     func presentAddExpense(expense: Expense? = nil) {
-        let newExpenseViewModel = NewExpenseViewModel(
-            expenseUseCase: viewModel.expenseUseCase,
-            categoryUseCase: categoryUseCase,
-            date: viewModel.selectedDate,
-            editingExpense: expense
-        )
-        let categorySelectVC = CategorySelectViewController(viewModel: newExpenseViewModel)
-        categorySelectVC.modalPresentationStyle = .fullScreen
-        present(categorySelectVC, animated: true)
+        Task {
+            var defaultCategory: Category? = nil
+            if expense == nil {
+                defaultCategory = try? await categoryUseCase.fetchCategories().first { !$0.isDeletable }
+            }
+
+            let newExpenseViewModel = NewExpenseViewModel(
+                expenseUseCase: viewModel.expenseUseCase,
+                categoryUseCase: categoryUseCase,
+                date: viewModel.selectedDate,
+                editingExpense: expense,
+                prefillCategory: defaultCategory
+            )
+            await newExpenseViewModel.loadCategories()
+
+            let inputVC = ExpenseInputViewController(viewModel: newExpenseViewModel)
+            inputVC.modalPresentationStyle = .fullScreen
+            present(inputVC, animated: true)
+        }
     }
 }
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/NewExpense/CategorySelectViewController.swift b/SpendLearning/SpendLearning/Source/Presentation/View/NewExpense/CategorySelectViewController.swift
index 44f53a6..15c7e26 100644
--- a/SpendLearning/SpendLearning/Source/Presentation/View/NewExpense/CategorySelectViewController.swift
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/NewExpense/CategorySelectViewController.swift
@@ -18,6 +18,8 @@ final class CategorySelectViewController: UIViewController {
     private let viewModel: NewExpenseViewModel
     private var cancellables = Set<AnyCancellable>()
 
+    var onCategorySelected: (() -> Void)?
+
     // MARK: - Init
     init(viewModel: NewExpenseViewModel) {
         self.viewModel = viewModel
@@ -60,9 +62,7 @@ extension CategorySelectViewController: UITableViewDataSource, UITableViewDelega
     func tableView(_ tableView: UITableView, didSelectRowAt indexPath: IndexPath) {
         let category = viewModel.categories[indexPath.row]
         viewModel.didSelectCategory(category)
-        let inputVC = ExpenseInputViewController(viewModel: viewModel)
-        inputVC.modalPresentationStyle = .fullScreen
-        present(inputVC, animated: true)
+        onCategorySelected?()
     }
 }
 
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/NewExpense/ExpenseInputViewController.swift b/SpendLearning/SpendLearning/Source/Presentation/View/NewExpense/ExpenseInputViewController.swift
index 7bb80e1..9da033b 100644
--- a/SpendLearning/SpendLearning/Source/Presentation/View/NewExpense/ExpenseInputViewController.swift
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/NewExpense/ExpenseInputViewController.swift
@@ -11,22 +11,33 @@ import Combine
 final class ExpenseInputViewController: UIViewController {
 
     // MARK: - UI
-    private lazy var navigationBar = CustomNavigationBar(
-        title: viewModel.selectedCategory?.displayName ?? "",
+    private let navigationBar = CustomNavigationBar(
+        title: "지출 확인",
         leftButtonTitle: "뒤로",
         rightButtonTitle: "저장"
     )
-    private let amountLabel = UILabel()
+    private let cardView = UIView()
+
+    private let categoryRow = UIView()
+    private let categoryEmojiLabel = UILabel()
+    private let categoryNameLabel = UILabel()
+    private let categoryChevronImageView = UIImageView()
+    private let categorySeparator = UIView()
+
+    private let amountFieldLabel = UILabel()
+    private let amountTextField = UITextField()
+    private let amountSeparator = UIView()
+
+    private let memoFieldLabel = UILabel()
     private let memoTextField = UITextField()
-    private let amountTextField: UITextField = {
-        let tf = UITextField()
-        tf.keyboardType = .numberPad
-        tf.isHidden = true
-        return tf
-    }()
 
     // MARK: - Properties
     private let viewModel: NewExpenseViewModel
+    private var cancellables = Set<AnyCancellable>()
+
+    /// 저장이 성공적으로 끝난 직후 호출
+    /// 음성추가 흐름에서 CategoryPredictor.update를 트리거하는 용도로 사용
+    var onDidSave: (() -> Void)?
 
     // MARK: - Init
     init(viewModel: NewExpenseViewModel) {
@@ -43,6 +54,7 @@ final class ExpenseInputViewController: UIViewController {
         super.viewDidLoad()
         view.backgroundColor = .DesignSystem.background
         setup()
+        bindSelectedCategory()
     }
 
     override func viewWillAppear(_ animated: Bool) {
@@ -57,7 +69,8 @@ private extension ExpenseInputViewController {
     @objc func didTapSave() {
         Task {
             await viewModel.didSaveExpense()
-            presentingViewController?.presentingViewController?.dismiss(animated: true)
+            onDidSave?()
+            dismiss(animated: true)
         }
     }
 
@@ -65,14 +78,21 @@ private extension ExpenseInputViewController {
         dismiss(animated: true)
     }
 
-    @objc func didTapAmountLabel() {
-        amountTextField.becomeFirstResponder()
+    @objc func didTapCategoryRow() {
+        let categorySelectVC = CategorySelectViewController(viewModel: viewModel)
+        categorySelectVC.modalPresentationStyle = .fullScreen
+        categorySelectVC.onCategorySelected = { [weak self, weak categorySelectVC] in
+            categorySelectVC?.dismiss(animated: true)
+            self?.updateCategoryDisplay()
+        }
+        present(categorySelectVC, animated: true)
     }
 
     @objc func amountDidChange() {
-        let amount = Int(amountTextField.text ?? "") ?? 0
+        let digitsOnly = (amountTextField.text ?? "").filter { $0.isNumber }
+        let amount = Int(digitsOnly) ?? 0
         viewModel.didInputAmount(amount)
-        amountLabel.text = amount == 0 ? "0원" : "\(amount.formatted())원"
+        amountTextField.text = amount == 0 ? "" : "\(amount.formatted())원"
     }
 }
 
@@ -90,8 +110,12 @@ private extension ExpenseInputViewController {
 
     func setup() {
         setupNavigationBar()
-        setupSubviews()
+        setupCardView()
+        setupCategoryRow()
+        setupAmountField()
+        setupMemoField()
         setupConstraints()
+        updateCategoryDisplay()
     }
 
     func setupNavigationBar() {
@@ -103,37 +127,76 @@ private extension ExpenseInputViewController {
         }
     }
 
-    func setupSubviews() {
-        let initialAmount = viewModel.initialAmount
-        amountLabel.text = initialAmount == 0 ? "0원" : "\(initialAmount.formatted())원"
-        amountLabel.font = .systemFont(ofSize: 40, weight: .bold)
-        amountLabel.textColor = .DesignSystem.primary
-        amountLabel.textAlignment = .center
-        amountLabel.isUserInteractionEnabled = true
-        amountLabel.adjustsFontSizeToFitWidth = true
-        amountLabel.minimumScaleFactor = 0.5
-        amountLabel.addGestureRecognizer(
-            UITapGestureRecognizer(target: self, action: #selector(didTapAmountLabel))
-        )
+    func setupCardView() {
+        cardView.backgroundColor = .DesignSystem.surface
+        cardView.layer.cornerRadius = 16
+
+        [navigationBar, cardView].forEach {
+            $0.translatesAutoresizingMaskIntoConstraints = false
+            view.addSubview($0)
+        }
+    }
+
+    func setupCategoryRow() {
+        categoryEmojiLabel.font = .systemFont(ofSize: 20)
+
+        categoryNameLabel.font = .systemFont(ofSize: 16, weight: .semibold)
+        categoryNameLabel.textColor = .DesignSystem.primary
+
+        categoryChevronImageView.image = UIImage(systemName: "chevron.right")
+        categoryChevronImageView.tintColor = .DesignSystem.subtitle
+        categoryChevronImageView.contentMode = .scaleAspectFit
+
+        categoryRow.isUserInteractionEnabled = true
+        categoryRow.addGestureRecognizer(UITapGestureRecognizer(target: self, action: #selector(didTapCategoryRow)))
+
+        categorySeparator.backgroundColor = .DesignSystem.separator
+
+        [categoryEmojiLabel, categoryNameLabel, categoryChevronImageView].forEach {
+            $0.translatesAutoresizingMaskIntoConstraints = false
+            categoryRow.addSubview($0)
+        }
+        [categoryRow, categorySeparator].forEach {
+            $0.translatesAutoresizingMaskIntoConstraints = false
+            cardView.addSubview($0)
+        }
+    }
+
+    func setupAmountField() {
+        amountFieldLabel.text = "금액"
+        amountFieldLabel.font = .systemFont(ofSize: 13, weight: .regular)
+        amountFieldLabel.textColor = .DesignSystem.subtitle
+
+        amountTextField.text = viewModel.initialAmount == 0 ? "" : "\(viewModel.initialAmount.formatted())원"
+        amountTextField.placeholder = "0"
+        amountTextField.font = .systemFont(ofSize: 20, weight: .semibold)
+        amountTextField.textColor = .DesignSystem.primary
+        amountTextField.keyboardType = .numberPad
+        amountTextField.addTarget(self, action: #selector(amountDidChange), for: .editingChanged)
+
+        amountSeparator.backgroundColor = .DesignSystem.separator
+
+        [amountFieldLabel, amountTextField, amountSeparator].forEach {
+            $0.translatesAutoresizingMaskIntoConstraints = false
+            cardView.addSubview($0)
+        }
+    }
+
+    func setupMemoField() {
+        memoFieldLabel.text = "메모"
+        memoFieldLabel.font = .systemFont(ofSize: 13, weight: .regular)
+        memoFieldLabel.textColor = .DesignSystem.subtitle
 
-        memoTextField.placeholder = "메모를 남겨보세요"
         memoTextField.text = viewModel.initialMemo
-        memoTextField.font = .systemFont(ofSize: 15)
-        memoTextField.backgroundColor = .white
-        memoTextField.layer.cornerRadius = 12
-        memoTextField.leftView = UIView(frame: CGRect(x: 0, y: 0, width: 16, height: 0))
-        memoTextField.leftViewMode = .always
-        memoTextField.keyboardType = .default
+        memoTextField.placeholder = "메모를 남겨보세요"
+        memoTextField.font = .systemFont(ofSize: 16)
         memoTextField.autocapitalizationType = .none
         memoTextField.autocorrectionType = .no
         memoTextField.delegate = self
 
-        amountTextField.text = initialAmount == 0 ? "" : "\(initialAmount)"
-        amountTextField.addTarget(self, action: #selector(amountDidChange), for: .editingChanged)
-
-        [navigationBar, amountLabel, memoTextField, amountTextField].forEach {
+        [memoFieldLabel, memoTextField].forEach {
             $0.translatesAutoresizingMaskIntoConstraints = false
-            view.addSubview($0)
+            cardView.addSubview($0)
         }
     }
 
@@ -143,14 +206,65 @@ private extension ExpenseInputViewController {
             navigationBar.leadingAnchor.constraint(equalTo: view.leadingAnchor),
             navigationBar.trailingAnchor.constraint(equalTo: view.trailingAnchor),
 
-            amountLabel.topAnchor.constraint(equalTo: navigationBar.bottomAnchor, constant: 70),
-            amountLabel.leadingAnchor.constraint(equalTo: view.leadingAnchor, constant: 24),
-            amountLabel.trailingAnchor.constraint(equalTo: view.trailingAnchor, constant: -24),
+            cardView.topAnchor.constraint(equalTo: navigationBar.bottomAnchor, constant: 24),
+            cardView.leadingAnchor.constraint(equalTo: view.leadingAnchor, constant: 20),
+            cardView.trailingAnchor.constraint(equalTo: view.trailingAnchor, constant: -20),
+
+            categoryRow.topAnchor.constraint(equalTo: cardView.topAnchor, constant: 16),
+            categoryRow.leadingAnchor.constraint(equalTo: cardView.leadingAnchor, constant: 16),
+            categoryRow.trailingAnchor.constraint(equalTo: cardView.trailingAnchor, constant: -16),
+            categoryRow.heightAnchor.constraint(equalToConstant: 28),
 
-            memoTextField.topAnchor.constraint(equalTo: amountLabel.bottomAnchor, constant: 60),
-            memoTextField.leadingAnchor.constraint(equalTo: view.leadingAnchor, constant: 20),
-            memoTextField.trailingAnchor.constraint(equalTo: view.trailingAnchor, constant: -20),
-            memoTextField.heightAnchor.constraint(equalToConstant: 48),
+            categoryEmojiLabel.leadingAnchor.constraint(equalTo: categoryRow.leadingAnchor),
+            categoryEmojiLabel.centerYAnchor.constraint(equalTo: categoryRow.centerYAnchor),
+
+            categoryNameLabel.leadingAnchor.constraint(equalTo: categoryEmojiLabel.trailingAnchor, constant: 8),
+            categoryNameLabel.centerYAnchor.constraint(equalTo: categoryRow.centerYAnchor),
+
+            categoryChevronImageView.trailingAnchor.constraint(equalTo: categoryRow.trailingAnchor),
+            categoryChevronImageView.centerYAnchor.constraint(equalTo: categoryRow.centerYAnchor),
+            categoryChevronImageView.widthAnchor.constraint(equalToConstant: 14),
+            categoryChevronImageView.heightAnchor.constraint(equalToConstant: 20),
+
+            categorySeparator.topAnchor.constraint(equalTo: categoryRow.bottomAnchor, constant: 16),
+            categorySeparator.leadingAnchor.constraint(equalTo: cardView.leadingAnchor, constant: 16),
+            categorySeparator.trailingAnchor.constraint(equalTo: cardView.trailingAnchor, constant: -16),
+            categorySeparator.heightAnchor.constraint(equalToConstant: 1),
+
+            amountFieldLabel.topAnchor.constraint(equalTo: categorySeparator.bottomAnchor, constant: 16),
+            amountFieldLabel.leadingAnchor.constraint(equalTo: cardView.leadingAnchor, constant: 16),
+
+            amountTextField.topAnchor.constraint(equalTo: amountFieldLabel.bottomAnchor, constant: 4),
+            amountTextField.leadingAnchor.constraint(equalTo: cardView.leadingAnchor, constant: 16),
+            amountTextField.trailingAnchor.constraint(equalTo: cardView.trailingAnchor, constant: -16),
+
+            amountSeparator.topAnchor.constraint(equalTo: amountTextField.bottomAnchor, constant: 16),
+            amountSeparator.leadingAnchor.constraint(equalTo: cardView.leadingAnchor, constant: 16),
+            amountSeparator.trailingAnchor.constraint(equalTo: cardView.trailingAnchor, constant: -16),
+            amountSeparator.heightAnchor.constraint(equalToConstant: 1),
+
+            memoFieldLabel.topAnchor.constraint(equalTo: amountSeparator.bottomAnchor, constant: 16),
+            memoFieldLabel.leadingAnchor.constraint(equalTo: cardView.leadingAnchor, constant: 16),
+
+            memoTextField.topAnchor.constraint(equalTo: memoFieldLabel.bottomAnchor, constant: 4),
+            memoTextField.leadingAnchor.constraint(equalTo: cardView.leadingAnchor, constant: 16),
+            memoTextField.trailingAnchor.constraint(equalTo: cardView.trailingAnchor, constant: -16),
+            memoTextField.bottomAnchor.constraint(equalTo: cardView.bottomAnchor, constant: -16),
         ])
     }
+
+    func bindSelectedCategory() {
+        viewModel.$selectedCategory
+            .receive(on: DispatchQueue.main)
+            .sink { [weak self] _ in
+                self?.updateCategoryDisplay()
+            }
+            .store(in: &cancellables)
+    }
+
+    func updateCategoryDisplay() {
+        let category = viewModel.selectedCategory
+        categoryEmojiLabel.text = category?.emoji ?? "📦"
+        categoryNameLabel.text = category?.displayName ?? "기타"
+    }
 }
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/NewExpense/NewExpenseViewModel.swift b/SpendLearning/SpendLearning/Source/Presentation/View/NewExpense/NewExpenseViewModel.swift
index 956bce9..df378c3 100644
--- a/SpendLearning/SpendLearning/Source/Presentation/View/NewExpense/NewExpenseViewModel.swift
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/NewExpense/NewExpenseViewModel.swift
@@ -16,8 +16,9 @@ final class NewExpenseViewModel {
     @Published private(set) var categories: [Category] = []
     @Published private(set) var fetchError: Error? = nil
 
-    var initialAmount: Int { editingExpense?.amount ?? 0 }
-    var initialMemo: String { editingExpense?.memo ?? "" }
+    var initialAmount: Int { amount }
+    var initialMemo: String { memo }
+    var finalMemo: String { memo }
 
     // MARK: - Private
     private let expenseUseCase: ExpenseUseCaseProtocol
@@ -32,7 +33,10 @@ final class NewExpenseViewModel {
         expenseUseCase: ExpenseUseCaseProtocol,
         categoryUseCase: CategoryUseCaseProtocol,
         date: Date,
-        editingExpense: Expense? = nil
+        editingExpense: Expense? = nil,
+        prefillAmount: Int? = nil,
+        prefillMemo: String? = nil,
+        prefillCategory: Category? = nil
     ) {
         self.expenseUseCase = expenseUseCase
         self.categoryUseCase = categoryUseCase
@@ -43,6 +47,10 @@ final class NewExpenseViewModel {
             self.amount = expense.amount
             self.memo = expense.memo ?? ""
             self.selectedCategory = expense.category
+        } else {
+            self.amount = prefillAmount ?? 0
+            self.memo = prefillMemo ?? ""
+            self.selectedCategory = prefillCategory
         }
     }
 
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/Prediction/PredictionStatusCardView.swift b/SpendLearning/SpendLearning/Source/Presentation/View/Prediction/PredictionStatusCardView.swift
index 10a7709..485b2a9 100644
--- a/SpendLearning/SpendLearning/Source/Presentation/View/Prediction/PredictionStatusCardView.swift
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/Prediction/PredictionStatusCardView.swift
@@ -53,6 +53,10 @@ struct PredictionStatusCardView: View {
                             .font(.system(size: 13, weight: .semibold))
                             .foregroundStyle(Color(UIColor.DesignSystem.subtitle))
 
+                        Text("지난달들의 기록이 쌓일수록 정확해져요")
+                            .font(.system(size: 12))
+                            .foregroundStyle(Color(UIColor.DesignSystem.subtitle).opacity(0.8))
+
                         if let accuracy {
                             ProgressView(value: accuracy / 100)
                                 .tint(Color(UIColor.DesignSystem.accent))
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/Prediction/PredictionViewModel.swift b/SpendLearning/SpendLearning/Source/Presentation/View/Prediction/PredictionViewModel.swift
index 4e52041..3c5d4fa 100644
--- a/SpendLearning/SpendLearning/Source/Presentation/View/Prediction/PredictionViewModel.swift
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/Prediction/PredictionViewModel.swift
@@ -39,7 +39,7 @@ final class PredictionViewModel {
               actual > 0 else { return nil }
 
         let errorRatio = abs(Double(predicted) - Double(actual)) / Double(actual)
-        return Float(100 * exp(-errorRatio))
+        return Float(100 * exp(-2 * errorRatio))
     }
 
     // MARK: - Init
@@ -80,6 +80,7 @@ final class PredictionViewModel {
     }
 
     private func makeCumulativePrediction(expenses: [Expense], predictions: [Int: Int]) -> [CumulativePrediction] {
+        let hasAnyExpense = !expenses.isEmpty
         var cumulativeActual = 0
         var cumulativePredicted = 0
 
@@ -97,7 +98,7 @@ final class PredictionViewModel {
 
             return CumulativePrediction(
                 day: day,
-                actual: day <= today ? cumulativeActual : nil,
+                actual: (day <= today && hasAnyExpense) ? cumulativeActual : nil,
                 predicted: predictions[day] != nil ? cumulativePredicted : nil
             )
         }
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/Settings/SettingsViewController.swift b/SpendLearning/SpendLearning/Source/Presentation/View/Settings/SettingsViewController.swift
index 50be54b..05ef1df 100644
--- a/SpendLearning/SpendLearning/Source/Presentation/View/Settings/SettingsViewController.swift
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/Settings/SettingsViewController.swift
@@ -25,12 +25,14 @@ final class SettingsViewController: UIViewController {
     init(
         categoryUseCase: CategoryUseCaseProtocol,
         expenseUseCase: ExpenseUseCaseProtocol,
-        predictionUseCase: PredictionUseCaseProtocol
+        predictionUseCase: PredictionUseCaseProtocol,
+        categoryPredictor: CategoryPredictor
     ) {
         self.viewModel = SettingsViewModel(
             categoryUseCase: categoryUseCase,
             expenseUseCase: expenseUseCase,
-            predictionUseCase: predictionUseCase
+            predictionUseCase: predictionUseCase,
+            categoryPredictor: categoryPredictor
         )
         super.init(nibName: nil, bundle: nil)
     }
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/Settings/SettingsViewModel.swift b/SpendLearning/SpendLearning/Source/Presentation/View/Settings/SettingsViewModel.swift
index 391325e..8c412f2 100644
--- a/SpendLearning/SpendLearning/Source/Presentation/View/Settings/SettingsViewModel.swift
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/Settings/SettingsViewModel.swift
@@ -20,16 +20,18 @@ final class SettingsViewModel {
     private let categoryUseCase: CategoryUseCaseProtocol
     private let expenseUseCase: ExpenseUseCaseProtocol
     private let predictionUseCase: PredictionUseCaseProtocol
+    private let categoryPredictor: CategoryPredictor
 
-    // MARK: - Init
     init(
         categoryUseCase: CategoryUseCaseProtocol,
         expenseUseCase: ExpenseUseCaseProtocol,
-        predictionUseCase: PredictionUseCaseProtocol
+        predictionUseCase: PredictionUseCaseProtocol,
+        categoryPredictor: CategoryPredictor
     ) {
         self.categoryUseCase = categoryUseCase
         self.expenseUseCase = expenseUseCase
         self.predictionUseCase = predictionUseCase
+        self.categoryPredictor = categoryPredictor
     }
 
     // MARK: - Input
@@ -96,6 +98,7 @@ final class SettingsViewModel {
     func resetAllData() async {
         await expenseUseCase.deleteAll()
         await predictionUseCase.deleteModel()
+        categoryPredictor.resetToBundledModel()
         do {
             try await categoryUseCase.resetToDefault()
             categories = (try? await categoryUseCase.fetchCategories()) ?? categories
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/VoiceExpense/VoiceExpenseViewController.swift b/SpendLearning/SpendLearning/Source/Presentation/View/VoiceExpense/VoiceExpenseViewController.swift
new file mode 100644
index 0000000..8805701
--- /dev/null
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/VoiceExpense/VoiceExpenseViewController.swift
@@ -0,0 +1,289 @@
+//
+//  VoiceExpenseViewController.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/16/26.
+//
+
+import UIKit
+
+final class VoiceExpenseViewController: UIViewController {
+
+    // MARK: - UI
+    private let titleLabel = UILabel()
+
+    private let transcriptCardView = UIView()
+    private let fixedGuideLabel = UILabel()
+    private let transcriptSeparator = UIView()
+    private let contentLabel = UILabel()
+    private let settingsButton = UIButton(type: .system)
+
+    private let micCardView = UIView()
+    private let micButton = UIButton()
+    private let hintLabel = UILabel()
+
+    // MARK: - Properties
+    private let viewModel: VoiceExpenseViewModel
+    private let expenseUseCase: ExpenseUseCaseProtocol
+    private let categoryUseCase: CategoryUseCaseProtocol
+    private let categoryPredictor: CategoryPredictor
+    private var displayLink: CADisplayLink?
+
+    // MARK: - Init
+    init(
+        viewModel: VoiceExpenseViewModel,
+        expenseUseCase: ExpenseUseCaseProtocol,
+        categoryUseCase: CategoryUseCaseProtocol,
+        categoryPredictor: CategoryPredictor
+    ) {
+        self.viewModel = viewModel
+        self.expenseUseCase = expenseUseCase
+        self.categoryUseCase = categoryUseCase
+        self.categoryPredictor = categoryPredictor
+        super.init(nibName: nil, bundle: nil)
+    }
+
+    required init?(coder: NSCoder) {
+        fatalError("init(coder:) has not been implemented")
+    }
+
+    // MARK: - Lifecycle
+    override func viewDidLoad() {
+        super.viewDidLoad()
+        view.backgroundColor = .DesignSystem.background
+        setup()
+        render()
+    }
+
+    override func viewWillAppear(_ animated: Bool) {
+        super.viewWillAppear(animated)
+        startObservingState()
+    }
+
+    override func viewWillDisappear(_ animated: Bool) {
+        super.viewWillDisappear(animated)
+        stopObservingState()
+    }
+}
+
+// MARK: - State Observation
+// @Observable은 SwiftUI 밖(UIKit)에서는 자동 구독이 없어, 짧은 주기로 폴링해 상태 변화를 감지
+// 녹음 중 실시간 자막 갱신이 필요해 매 프레임 체크가 필요하므로 CADisplayLink를 사용
+private extension VoiceExpenseViewController {
+
+    func startObservingState() {
+        displayLink?.invalidate()
+        let link = CADisplayLink(target: self, selector: #selector(pollState))
+        link.add(to: .main, forMode: .common)
+        displayLink = link
+    }
+
+    func stopObservingState() {
+        displayLink?.invalidate()
+        displayLink = nil
+    }
+
+    @objc func pollState() {
+        render()
+    }
+}
+
+// MARK: - Actions
+private extension VoiceExpenseViewController {
+
+    @objc func didTouchDown() {
+        Task { await viewModel.startRecording() }
+    }
+
+    @objc func didTouchUp() {
+        Task { await viewModel.stopRecording() }
+    }
+
+    @objc func didTapSettings() {
+        guard let url = URL(string: UIApplication.openSettingsURLString) else { return }
+        UIApplication.shared.open(url)
+    }
+}
+
+// MARK: - Render
+private extension VoiceExpenseViewController {
+
+    func render() {
+        settingsButton.isHidden = true
+
+        switch viewModel.state {
+        case .idle:
+            contentLabel.text = VoiceExpenseViewModel.detailGuideText
+            contentLabel.font = .systemFont(ofSize: 14, weight: .regular)
+            contentLabel.textColor = .DesignSystem.subtitle
+            micButton.transform = .identity
+
+        case .recording(let transcript):
+            contentLabel.text = transcript.isEmpty ? "듣고 있어요..." : transcript
+            contentLabel.font = .systemFont(ofSize: 20, weight: .medium)
+            contentLabel.textColor = .DesignSystem.primary
+            micButton.transform = CGAffineTransform(scaleX: 1.15, y: 1.15)
+
+        case .parsed(let memo, let amount, let category):
+            micButton.transform = .identity
+            presentConfirm(memo: memo, amount: amount, category: category)
+
+        case .error(let message):
+            contentLabel.text = message
+            contentLabel.font = .systemFont(ofSize: 16, weight: .medium)
+            contentLabel.textColor = .DesignSystem.primary
+            micButton.transform = .identity
+
+        case .permissionDenied(let message):
+            contentLabel.text = message
+            contentLabel.font = .systemFont(ofSize: 16, weight: .medium)
+            contentLabel.textColor = .systemRed
+            micButton.transform = .identity
+            settingsButton.isHidden = false
+        }
+    }
+
+    func presentConfirm(memo: String, amount: Int, category: Category) {
+        viewModel.reset()
+        let vm = NewExpenseViewModel(
+            expenseUseCase: expenseUseCase,
+            categoryUseCase: categoryUseCase,
+            date: Date(),
+            prefillAmount: amount,
+            prefillMemo: memo,
+            prefillCategory: category
+        )
+        Task {
+            await vm.loadCategories()
+            let inputVC = ExpenseInputViewController(viewModel: vm)
+            inputVC.modalPresentationStyle = .fullScreen
+            inputVC.onDidSave = { [weak self] in
+                guard let self else { return }
+                Task {
+                    try? await self.categoryPredictor.update(
+                        memo: vm.finalMemo,
+                        confirmedCategory: vm.selectedCategory?.name ?? category.name
+                    )
+                }
+            }
+            present(inputVC, animated: true)
+        }
+    }
+}
+
+// MARK: - Helper
+private extension VoiceExpenseViewController {
+
+    func setup() {
+        setupSubviews()
+        setupConstraints()
+    }
+
+    func setupSubviews() {
+        titleLabel.text = "음성으로 추가"
+        titleLabel.font = .systemFont(ofSize: 24, weight: .bold)
+        titleLabel.textColor = .DesignSystem.primary
+
+        transcriptCardView.backgroundColor = .DesignSystem.surface
+        transcriptCardView.layer.cornerRadius = 16
+
+        fixedGuideLabel.text = "\"메모 금액\" 순서로 말해주세요"
+        fixedGuideLabel.font = .systemFont(ofSize: 15, weight: .semibold)
+        fixedGuideLabel.textColor = .DesignSystem.primary
+        fixedGuideLabel.textAlignment = .center
+
+        transcriptSeparator.backgroundColor = .DesignSystem.separator
+
+        contentLabel.text = VoiceExpenseViewModel.detailGuideText
+        contentLabel.font = .systemFont(ofSize: 14, weight: .regular)
+        contentLabel.textColor = .DesignSystem.subtitle
+        contentLabel.textAlignment = .center
+        contentLabel.numberOfLines = 0
+
+        settingsButton.setTitle("설정으로 이동", for: .normal)
+        settingsButton.setTitleColor(.DesignSystem.accent, for: .normal)
+        settingsButton.titleLabel?.font = .systemFont(ofSize: 14, weight: .semibold)
+        settingsButton.addTarget(self, action: #selector(didTapSettings), for: .touchUpInside)
+        settingsButton.isHidden = true
+
+        micCardView.backgroundColor = .DesignSystem.surface
+        micCardView.layer.cornerRadius = 16
+
+        let micSymbolConfig = UIImage.SymbolConfiguration(pointSize: 72, weight: .regular)
+        micButton.setImage(UIImage(systemName: "mic.circle.fill", withConfiguration: micSymbolConfig), for: .normal)
+        micButton.tintColor = .DesignSystem.accent
+        micButton.imageView?.contentMode = .scaleAspectFit
+        micButton.addTarget(self, action: #selector(didTouchDown), for: .touchDown)
+        micButton.addTarget(self, action: #selector(didTouchUp), for: [.touchUpInside, .touchUpOutside, .touchCancel])
+
+        hintLabel.text = "눌러서 말하기"
+        hintLabel.font = .systemFont(ofSize: 13, weight: .regular)
+        hintLabel.textColor = .DesignSystem.subtitle
+        hintLabel.textAlignment = .center
+
+        [fixedGuideLabel, transcriptSeparator, contentLabel, settingsButton].forEach {
+            $0.translatesAutoresizingMaskIntoConstraints = false
+            transcriptCardView.addSubview($0)
+        }
+        [micButton, hintLabel].forEach {
+            $0.translatesAutoresizingMaskIntoConstraints = false
+            micCardView.addSubview($0)
+        }
+        [titleLabel, transcriptCardView, micCardView].forEach {
+            $0.translatesAutoresizingMaskIntoConstraints = false
+            view.addSubview($0)
+        }
+    }
+
+    func setupConstraints() {
+        NSLayoutConstraint.activate([
+            titleLabel.topAnchor.constraint(equalTo: view.safeAreaLayoutGuide.topAnchor, constant: 16),
+            titleLabel.leadingAnchor.constraint(equalTo: view.leadingAnchor, constant: 20),
+
+            transcriptCardView.topAnchor.constraint(equalTo: titleLabel.bottomAnchor, constant: 24),
+            transcriptCardView.leadingAnchor.constraint(equalTo: view.leadingAnchor, constant: 20),
+            transcriptCardView.trailingAnchor.constraint(equalTo: view.trailingAnchor, constant: -20),
+            transcriptCardView.bottomAnchor.constraint(equalTo: micCardView.topAnchor, constant: -24),
+
+            fixedGuideLabel.topAnchor.constraint(equalTo: transcriptCardView.topAnchor, constant: 24),
+            fixedGuideLabel.leadingAnchor.constraint(equalTo: transcriptCardView.leadingAnchor, constant: 20),
+            fixedGuideLabel.trailingAnchor.constraint(equalTo: transcriptCardView.trailingAnchor, constant: -20),
+
+            transcriptSeparator.topAnchor.constraint(equalTo: fixedGuideLabel.bottomAnchor, constant: 16),
+            transcriptSeparator.leadingAnchor.constraint(equalTo: transcriptCardView.leadingAnchor, constant: 20),
+            transcriptSeparator.trailingAnchor.constraint(equalTo: transcriptCardView.trailingAnchor, constant: -20),
+            transcriptSeparator.heightAnchor.constraint(equalToConstant: 1),
+
+            contentLabel.topAnchor.constraint(greaterThanOrEqualTo: transcriptSeparator.bottomAnchor, constant: 16),
+            contentLabel.leadingAnchor.constraint(equalTo: transcriptCardView.leadingAnchor, constant: 20),
+            contentLabel.trailingAnchor.constraint(equalTo: transcriptCardView.trailingAnchor, constant: -20),
+            contentLabel.centerYAnchor.constraint(
+                equalTo: transcriptCardView.centerYAnchor, constant: 20
+            ).with(priority: .defaultHigh),
+
+            settingsButton.topAnchor.constraint(equalTo: contentLabel.bottomAnchor, constant: 12),
+            settingsButton.centerXAnchor.constraint(equalTo: transcriptCardView.centerXAnchor),
+            settingsButton.bottomAnchor.constraint(lessThanOrEqualTo: transcriptCardView.bottomAnchor, constant: -24),
+
+            micCardView.leadingAnchor.constraint(equalTo: view.leadingAnchor, constant: 20),
+            micCardView.trailingAnchor.constraint(equalTo: view.trailingAnchor, constant: -20),
+            micCardView.bottomAnchor.constraint(equalTo: view.safeAreaLayoutGuide.bottomAnchor, constant: -40),
+            micCardView.heightAnchor.constraint(equalToConstant: 200),
+
+            micButton.widthAnchor.constraint(equalToConstant: 88),
+            micButton.heightAnchor.constraint(equalToConstant: 88),
+            micButton.centerXAnchor.constraint(equalTo: micCardView.centerXAnchor),
+            micButton.topAnchor.constraint(equalTo: micCardView.topAnchor, constant: 32),
+
+            hintLabel.topAnchor.constraint(equalTo: micButton.bottomAnchor, constant: 12),
+            hintLabel.centerXAnchor.constraint(equalTo: micCardView.centerXAnchor),
+        ])
+    }
+}
+
+private extension NSLayoutConstraint {
+    func with(priority: UILayoutPriority) -> NSLayoutConstraint {
+        self.priority = priority
+        return self
+    }
+}
diff --git a/SpendLearning/SpendLearning/Source/Presentation/View/VoiceExpense/VoiceExpenseViewModel.swift b/SpendLearning/SpendLearning/Source/Presentation/View/VoiceExpense/VoiceExpenseViewModel.swift
new file mode 100644
index 0000000..c1cbf3d
--- /dev/null
+++ b/SpendLearning/SpendLearning/Source/Presentation/View/VoiceExpense/VoiceExpenseViewModel.swift
@@ -0,0 +1,192 @@
+//
+//  VoiceExpenseViewModel.swift
+//  SpendLearning
+//
+//  Created by 김성훈 on 7/16/26.
+//
+
+import AVFoundation
+import Foundation
+import Speech
+
+@Observable
+@MainActor
+final class VoiceExpenseViewModel {
+
+    enum State {
+        case idle
+        case recording(transcript: String)
+        case parsed(memo: String, amount: Int, category: Category)
+        case error(String)
+        case permissionDenied(String)
+    }
+
+    // MARK: - Output
+    private(set) var state: State = .idle
+
+    // MARK: - Private
+    private let categoryUseCase: CategoryUseCaseProtocol
+    private let categoryPredictor: CategoryPredictor
+    private let parser = VoiceExpenseParser()
+
+    private let speechRecognizer = SFSpeechRecognizer(locale: Locale(identifier: "ko-KR"))
+    private let audioEngine = AVAudioEngine()
+    private var recognitionRequest: SFSpeechAudioBufferRecognitionRequest?
+    private var recognitionTask: SFSpeechRecognitionTask?
+
+    static let detailGuideText = """
+    예시: 커피 4,500원
+
+    순서를 지키지 않으면 인식이 어려워요
+    금액 뒤에는 "원"을 꼭 붙여주세요
+    
+    신규 카테고리는 기록할수록 정확해져요
+    """
+
+    // MARK: - Init
+    init(categoryUseCase: CategoryUseCaseProtocol, categoryPredictor: CategoryPredictor) {
+        self.categoryUseCase = categoryUseCase
+        self.categoryPredictor = categoryPredictor
+    }
+
+    // MARK: - Input
+
+    func startRecording() async {
+        if isPermissionDenied() {
+            state = .permissionDenied("설정에서 마이크와 음성 인식 권한을 허용해주세요")
+            return
+        }
+        guard hasPermissions() else {
+            await requestPermissionsOnly()
+            return
+        }
+
+        state = .recording(transcript: "")
+
+        do {
+            try beginRecognition()
+        } catch {
+            state = .error("녹음을 시작하지 못했어요")
+        }
+    }
+
+    func stopRecording() async {
+        audioEngine.stop()
+        audioEngine.inputNode.removeTap(onBus: 0)
+        recognitionRequest?.endAudio()
+
+        guard case .recording(let transcript) = state else { return }
+        await finishParsing(transcript: transcript)
+    }
+
+    func reset() {
+        state = .idle
+    }
+
+    // MARK: - Private
+
+    private func hasPermissions() -> Bool {
+        let micStatus = AVAudioApplication.shared.recordPermission
+        let speechStatus = SFSpeechRecognizer.authorizationStatus()
+        return micStatus == .granted && speechStatus == .authorized
+    }
+
+    private func isPermissionDenied() -> Bool {
+        let micDenied = AVAudioApplication.shared.recordPermission == .denied
+        let speechDenied = SFSpeechRecognizer.authorizationStatus() == .denied
+        return micDenied || speechDenied
+    }
+
+    private func requestPermissionsOnly() async {
+        let micGranted = await withCheckedContinuation { continuation in
+            AVAudioApplication.requestRecordPermission { granted in
+                continuation.resume(returning: granted)
+            }
+        }
+        guard micGranted else {
+            state = .permissionDenied("마이크 접근 권한이 필요해요")
+            return
+        }
+
+        let speechStatus = await withCheckedContinuation { continuation in
+            SFSpeechRecognizer.requestAuthorization { status in
+                continuation.resume(returning: status)
+            }
+        }
+        if speechStatus != .authorized {
+            state = .permissionDenied("음성 인식 권한이 필요해요")
+        }
+        // 권한을 받았어도 여기서는 녹음을 시작하지 않는다 — 사용자가 다시 눌러야 시작됨
+    }
+
+    private func beginRecognition() throws {
+        recognitionTask?.cancel()
+        recognitionTask = nil
+
+        let audioSession = AVAudioSession.sharedInstance()
+        try audioSession.setCategory(.record, mode: .measurement, options: .duckOthers)
+        try audioSession.setActive(true, options: .notifyOthersOnDeactivation)
+
+        let request = SFSpeechAudioBufferRecognitionRequest()
+        request.shouldReportPartialResults = true
+        if speechRecognizer?.supportsOnDeviceRecognition == true {
+            request.requiresOnDeviceRecognition = true
+        }
+        self.recognitionRequest = request
+
+        let inputNode = audioEngine.inputNode
+        let recordingFormat = inputNode.outputFormat(forBus: 0)
+        inputNode.installTap(onBus: 0, bufferSize: 1024, format: recordingFormat) { [weak request] buffer, _ in
+            request?.append(buffer)
+        }
+
+        audioEngine.prepare()
+        try audioEngine.start()
+
+        recognitionTask = speechRecognizer?.recognitionTask(with: request) { [weak self] result, error in
+            guard let self else { return }
+            Task { @MainActor in
+                if let result {
+                    let text = result.bestTranscription.formattedString
+                    if case .recording = self.state {
+                        self.state = .recording(transcript: text)
+                    }
+                }
+                if let error {
+                    self.recognitionTask = nil
+                    let nsError = error as NSError
+                    if nsError.domain == "kLSRErrorDomain" && nsError.code == 201 {
+                        self.state = .permissionDenied("설정 > 일반 > 키보드 > 받아쓰기 활성화를 켜주세요")
+                    } else if case .recording = self.state {
+                        self.state = .error("음성 인식에 실패했어요")
+                    }
+                }
+            }
+        }
+    }
+
+    private func finishParsing(transcript: String) async {
+        let trimmed = transcript.trimmingCharacters(in: .whitespacesAndNewlines)
+        guard !trimmed.isEmpty else {
+            state = .error("못 알아들었어요, 다시 말씀해주세요")
+            return
+        }
+
+        switch parser.parse(trimmed) {
+        case .success(let parsed):
+            let prediction = categoryPredictor.predict(memo: parsed.memo)
+            let categories = (try? await categoryUseCase.fetchCategories()) ?? []
+            let matchedCategory = categories.first { $0.name == prediction.category }
+                ?? categories.first { !$0.isDeletable }
+
+            guard let category = matchedCategory else {
+                state = .error("카테고리를 불러오지 못했어요")
+                return
+            }
+            state = .parsed(memo: parsed.memo, amount: parsed.amount, category: category)
+
+        case .failure:
+            state = .error(Self.detailGuideText)
+        }
+    }
+}
diff --git a/SpendLearning/SpendLearningTests/ViewModels/PredictionViewModelTests.swift b/SpendLearning/SpendLearningTests/ViewModels/PredictionViewModelTests.swift
index 2d6126d..6ba4393 100644
--- a/SpendLearning/SpendLearningTests/ViewModels/PredictionViewModelTests.swift
+++ b/SpendLearning/SpendLearningTests/ViewModels/PredictionViewModelTests.swift
@@ -69,16 +69,6 @@ struct PredictionViewModelTests {
 
     // MARK: - makeCumulativePrediction
 
-    @Test("오늘 날짜에 소비가 없어도 actual이 nil이 아니다")
-    func todayActualIsNotNilEvenWithNoExpenses() async {
-        let sut = PredictionViewModel(expenseUseCase: StubExpenseUseCaseForPrediction(), predictionUseCase: StubPredictionUseCase())
-
-        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 = StubExpenseUseCaseForPrediction()
diff --git a/SpendLearning/SpendLearningTests/ViewModels/SettingsViewModelTests.swift b/SpendLearning/SpendLearningTests/ViewModels/SettingsViewModelTests.swift
index ddcd243..aec8e87 100644
--- a/SpendLearning/SpendLearningTests/ViewModels/SettingsViewModelTests.swift
+++ b/SpendLearning/SpendLearningTests/ViewModels/SettingsViewModelTests.swift
@@ -20,7 +20,8 @@ struct SettingsViewModelTests {
         let sut = SettingsViewModel(
             categoryUseCase: stub,
             expenseUseCase: StubExpenseUseCaseForSettings(),
-            predictionUseCase: StubPredictionUseCaseForSettings()
+            predictionUseCase: StubPredictionUseCaseForSettings(),
+            categoryPredictor: CategoryPredictor()
         )
 
         await sut.loadCategories()
@@ -35,7 +36,8 @@ struct SettingsViewModelTests {
         let sut = SettingsViewModel(
             categoryUseCase: stub,
             expenseUseCase: StubExpenseUseCaseForSettings(),
-            predictionUseCase: StubPredictionUseCaseForSettings()
+            predictionUseCase: StubPredictionUseCaseForSettings(),
+            categoryPredictor: CategoryPredictor()
         )
         stub.stubbedCategories = [Category(name: "카페", emoji: "☕️")]
 
@@ -53,7 +55,8 @@ struct SettingsViewModelTests {
         let sut = SettingsViewModel(
             categoryUseCase: stub,
             expenseUseCase: StubExpenseUseCaseForSettings(),
-            predictionUseCase: StubPredictionUseCaseForSettings()
+            predictionUseCase: StubPredictionUseCaseForSettings(),
+            categoryPredictor: CategoryPredictor()
         )
 
         await sut.updateCategory(original, name: "외식", emoji: "🍖")
@@ -69,7 +72,8 @@ struct SettingsViewModelTests {
         let sut = SettingsViewModel(
             categoryUseCase: stub,
             expenseUseCase: StubExpenseUseCaseForSettings(),
-            predictionUseCase: StubPredictionUseCaseForSettings()
+            predictionUseCase: StubPredictionUseCaseForSettings(),
+            categoryPredictor: CategoryPredictor()
         )
         await sut.loadCategories()
 
@@ -85,7 +89,8 @@ struct SettingsViewModelTests {
         let sut = SettingsViewModel(
             categoryUseCase: stub,
             expenseUseCase: StubExpenseUseCaseForSettings(),
-            predictionUseCase: StubPredictionUseCaseForSettings()
+            predictionUseCase: StubPredictionUseCaseForSettings(),
+            categoryPredictor: CategoryPredictor()
         )
         stub.stubbedCategories = [
             Category(name: "식비", emoji: "🍚"),
@@ -106,7 +111,8 @@ struct SettingsViewModelTests {
         let sut = SettingsViewModel(
             categoryUseCase: stub,
             expenseUseCase: StubExpenseUseCaseForSettings(),
-            predictionUseCase: StubPredictionUseCaseForSettings()
+            predictionUseCase: StubPredictionUseCaseForSettings(),
+            categoryPredictor: CategoryPredictor()
         )
 
         await sut.reorderCategories([first, second])
@@ -122,7 +128,8 @@ struct SettingsViewModelTests {
         let sut = SettingsViewModel(
             categoryUseCase: stub,
             expenseUseCase: StubExpenseUseCaseForSettings(),
-            predictionUseCase: StubPredictionUseCaseForSettings()
+            predictionUseCase: StubPredictionUseCaseForSettings(),
+            categoryPredictor: CategoryPredictor()
         )
 
         await sut.loadCategories()
@@ -138,7 +145,8 @@ struct SettingsViewModelTests {
         let sut = SettingsViewModel(
             categoryUseCase: stub,
             expenseUseCase: StubExpenseUseCaseForSettings(),
-            predictionUseCase: StubPredictionUseCaseForSettings()
+            predictionUseCase: StubPredictionUseCaseForSettings(),
+            categoryPredictor: CategoryPredictor()
         )
         await sut.loadCategories()