diff --git a/.env.example b/.env.example
index b937669..809a30d 100644
--- a/.env.example
+++ b/.env.example
@@ -21,3 +21,9 @@ KIS_APP_KEY_MOCK=
 KIS_APP_SECRET_MOCK=
 KIS_BASE_URL_MOCK=https://openapivts.koreainvestment.com:29443
 KIS_WS_URL_MOCK=ws://ops.koreainvestment.com:31000
+
+# (선택) 서버에서 기본 계좌번호를 사용할 경우
+# 형식: KIS_ACCOUNT_NO=12345678 또는 12345678-01
+#       KIS_ACCOUNT_PRODUCT_CODE=01
+KIS_ACCOUNT_NO=
+KIS_ACCOUNT_PRODUCT_CODE=
diff --git a/.tmp/open-trading-api b/.tmp/open-trading-api
deleted file mode 160000
index aea5e77..0000000
--- a/.tmp/open-trading-api
+++ /dev/null
@@ -1 +0,0 @@
-Subproject commit aea5e779da24bec2ec0c23d3d9fe400d8d5db234
diff --git a/app/(main)/dashboard/page.tsx b/app/(main)/dashboard/page.tsx
index d315e98..16d20a0 100644
--- a/app/(main)/dashboard/page.tsx
+++ b/app/(main)/dashboard/page.tsx
@@ -4,13 +4,13 @@
  */
 
 import { redirect } from "next/navigation";
+import { DashboardContainer } from "@/features/dashboard/components/DashboardContainer";
 import { createClient } from "@/utils/supabase/server";
 
 /**
- * 대시보드 페이지 (향후 확장용)
- * @returns 빈 대시보드 안내 UI
- * @see app/(main)/trade/page.tsx 트레이딩 기능은 `/trade` 경로에서 제공합니다.
- * @see app/(main)/settings/page.tsx KIS 인증 설정은 `/settings` 경로에서 제공합니다.
+ * 대시보드 페이지
+ * @returns DashboardContainer UI
+ * @see features/dashboard/components/DashboardContainer.tsx 대시보드 상태 헤더/지수/보유종목 UI를 제공합니다.
  */
 export default async function DashboardPage() {
   // 상태 정의: 서버에서 세션을 먼저 확인해 비로그인 접근을 차단합니다.
@@ -21,17 +21,5 @@ export default async function DashboardPage() {
 
   if (!user) redirect("/login");
 
-  return (
-    <section className="mx-auto flex h-full w-full max-w-5xl flex-col justify-center p-6">
-      {/* ========== DASHBOARD PLACEHOLDER ========== */}
-      <div className="rounded-2xl border border-brand-200 bg-background p-8 shadow-sm dark:border-brand-800/45 dark:bg-brand-900/14">
-        <h1 className="text-2xl font-semibold tracking-tight text-foreground">
-          대시보드
-        </h1>
-        <p className="mt-2 text-sm text-muted-foreground">
-          이 페이지는 향후 포트폴리오 요약과 리포트 기능을 위한 확장 영역입니다.
-        </p>
-      </div>
-    </section>
-  );
+  return <DashboardContainer />;
 }
diff --git a/app/api/kis/domestic/_shared.ts b/app/api/kis/domestic/_shared.ts
new file mode 100644
index 0000000..595106d
--- /dev/null
+++ b/app/api/kis/domestic/_shared.ts
@@ -0,0 +1,45 @@
+import { parseKisAccountParts } from "@/lib/kis/account";
+import {
+  normalizeTradingEnv,
+  type KisCredentialInput,
+} from "@/lib/kis/config";
+
+/**
+ * @description 요청 헤더에서 KIS 키를 읽어옵니다.
+ * @param headers 요청 헤더
+ * @returns KIS 인증 입력값
+ * @see app/api/kis/domestic/balance/route.ts 대시보드 잔고 API 인증키 파싱
+ * @see app/api/kis/domestic/indices/route.ts 대시보드 지수 API 인증키 파싱
+ */
+export function readKisCredentialsFromHeaders(headers: Headers): KisCredentialInput {
+  const appKey = headers.get("x-kis-app-key")?.trim();
+  const appSecret = headers.get("x-kis-app-secret")?.trim();
+  const tradingEnv = normalizeTradingEnv(
+    headers.get("x-kis-trading-env") ?? undefined,
+  );
+
+  return {
+    appKey,
+    appSecret,
+    tradingEnv,
+  };
+}
+
+/**
+ * @description 요청 헤더(또는 서버 환경변수)에서 계좌번호(8-2)를 읽어옵니다.
+ * @param headers 요청 헤더
+ * @returns 계좌번호 파트(8 + 2) 또는 null
+ * @see app/api/kis/domestic/balance/route.ts 잔고 조회 시 필수 계좌정보 파싱
+ */
+export function readKisAccountParts(headers: Headers) {
+  const headerAccountNo = headers.get("x-kis-account-no");
+  const headerAccountProductCode = headers.get("x-kis-account-product-code");
+
+  const envAccountNo = process.env.KIS_ACCOUNT_NO;
+  const envAccountProductCode = process.env.KIS_ACCOUNT_PRODUCT_CODE;
+
+  return (
+    parseKisAccountParts(headerAccountNo, headerAccountProductCode) ??
+    parseKisAccountParts(envAccountNo, envAccountProductCode)
+  );
+}
diff --git a/app/api/kis/domestic/balance/route.ts b/app/api/kis/domestic/balance/route.ts
new file mode 100644
index 0000000..a63dbea
--- /dev/null
+++ b/app/api/kis/domestic/balance/route.ts
@@ -0,0 +1,65 @@
+import { NextResponse } from "next/server";
+import type { DashboardBalanceResponse } from "@/features/dashboard/types/dashboard.types";
+import { hasKisConfig, normalizeTradingEnv } from "@/lib/kis/config";
+import { getDomesticDashboardBalance } from "@/lib/kis/dashboard";
+import {
+  readKisAccountParts,
+  readKisCredentialsFromHeaders,
+} from "@/app/api/kis/domestic/_shared";
+
+/**
+ * @file app/api/kis/domestic/balance/route.ts
+ * @description 국내주식 계좌 잔고/보유종목 조회 API
+ */
+
+/**
+ * 대시보드 잔고 조회 API
+ * @returns 총자산/손익/보유종목 목록
+ * @see features/dashboard/hooks/use-dashboard-data.ts 대시보드 초기 로드/새로고침에서 호출합니다.
+ */
+export async function GET(request: Request) {
+  const credentials = readKisCredentialsFromHeaders(request.headers);
+
+  if (!hasKisConfig(credentials)) {
+    return NextResponse.json(
+      {
+        error: "KIS API 키 설정이 필요합니다.",
+      },
+      { status: 400 },
+    );
+  }
+
+  const account = readKisAccountParts(request.headers);
+  if (!account) {
+    return NextResponse.json(
+      {
+        error:
+          "계좌번호가 필요합니다. 설정에서 계좌번호(예: 12345678-01)를 입력해 주세요.",
+      },
+      { status: 400 },
+    );
+  }
+
+  try {
+    const result = await getDomesticDashboardBalance(account, credentials);
+    const response: DashboardBalanceResponse = {
+      source: "kis",
+      tradingEnv: normalizeTradingEnv(credentials.tradingEnv),
+      summary: result.summary,
+      holdings: result.holdings,
+      fetchedAt: new Date().toISOString(),
+    };
+
+    return NextResponse.json(response, {
+      headers: {
+        "cache-control": "no-store",
+      },
+    });
+  } catch (error) {
+    const message =
+      error instanceof Error
+        ? error.message
+        : "잔고 조회 중 오류가 발생했습니다.";
+    return NextResponse.json({ error: message }, { status: 500 });
+  }
+}
diff --git a/app/api/kis/domestic/indices/route.ts b/app/api/kis/domestic/indices/route.ts
new file mode 100644
index 0000000..c7ebce8
--- /dev/null
+++ b/app/api/kis/domestic/indices/route.ts
@@ -0,0 +1,50 @@
+import { NextResponse } from "next/server";
+import type { DashboardIndicesResponse } from "@/features/dashboard/types/dashboard.types";
+import { hasKisConfig, normalizeTradingEnv } from "@/lib/kis/config";
+import { getDomesticDashboardIndices } from "@/lib/kis/dashboard";
+import { readKisCredentialsFromHeaders } from "@/app/api/kis/domestic/_shared";
+
+/**
+ * @file app/api/kis/domestic/indices/route.ts
+ * @description 국내 주요 지수(KOSPI/KOSDAQ) 조회 API
+ */
+
+/**
+ * 대시보드 지수 조회 API
+ * @returns 코스피/코스닥 지수 목록
+ * @see features/dashboard/hooks/use-dashboard-data.ts 대시보드 초기 로드/주기 갱신에서 호출합니다.
+ */
+export async function GET(request: Request) {
+  const credentials = readKisCredentialsFromHeaders(request.headers);
+
+  if (!hasKisConfig(credentials)) {
+    return NextResponse.json(
+      {
+        error: "KIS API 키 설정이 필요합니다.",
+      },
+      { status: 400 },
+    );
+  }
+
+  try {
+    const items = await getDomesticDashboardIndices(credentials);
+    const response: DashboardIndicesResponse = {
+      source: "kis",
+      tradingEnv: normalizeTradingEnv(credentials.tradingEnv),
+      items,
+      fetchedAt: new Date().toISOString(),
+    };
+
+    return NextResponse.json(response, {
+      headers: {
+        "cache-control": "no-store",
+      },
+    });
+  } catch (error) {
+    const message =
+      error instanceof Error
+        ? error.message
+        : "지수 조회 중 오류가 발생했습니다.";
+    return NextResponse.json({ error: message }, { status: 500 });
+  }
+}
diff --git a/features/auth/components/session-manager.tsx b/features/auth/components/session-manager.tsx
index ce12027..a980465 100644
--- a/features/auth/components/session-manager.tsx
+++ b/features/auth/components/session-manager.tsx
@@ -29,6 +29,12 @@ import { SESSION_TIMEOUT_MS } from "@/features/auth/constants";
 // 설정: 경고 표시 시간 (타임아웃 1분 전) - 현재 미사용 (즉시 로그아웃)
 // const WARNING_MS = 60 * 1000;
 
+const SESSION_RELATED_STORAGE_KEYS = [
+  "session-storage",
+  "auth-storage",
+  "autotrade-kis-runtime-store",
+] as const;
+
 /**
  * 세션 관리자 컴포넌트
  * 사용자 활동을 감지하여 세션 연장 및 타임아웃 처리
@@ -51,6 +57,18 @@ export function SessionManager() {
 
   const { setLastActive } = useSessionStore();
 
+  /**
+   * @description 세션 만료 로그아웃 시 세션 관련 로컬 스토리지를 정리합니다.
+   * @see features/layout/components/user-menu.tsx 수동 로그아웃 경로에서도 동일한 키를 제거합니다.
+   */
+  const clearSessionRelatedStorage = useCallback(() => {
+    if (typeof window === "undefined") return;
+
+    for (const key of SESSION_RELATED_STORAGE_KEYS) {
+      window.localStorage.removeItem(key);
+    }
+  }, []);
+
   /**
    * 로그아웃 처리 핸들러
    * @see session-timer.tsx - 타임아웃 시 동일한 로직 필요 가능성 있음
@@ -64,11 +82,12 @@ export function SessionManager() {
 
     // [Step 3] 로컬 스토어 및 세션 정보 초기화
     useSessionStore.persist.clearStorage();
+    clearSessionRelatedStorage();
 
     // [Step 4] 로그인 페이지로 리다이렉트 및 메시지 표시
     router.push("/login?message=세션이 만료되었습니다. 다시 로그인해주세요.");
     router.refresh();
-  }, [router]);
+  }, [clearSessionRelatedStorage, router]);
 
   useEffect(() => {
     if (isAuthPage) return;
@@ -79,6 +98,10 @@ export function SessionManager() {
       if (showWarning) setShowWarning(false);
     };
 
+    // [Step 0] 인증 페이지에서 메인 페이지로 진입한 직후를 "활동"으로 간주해
+    // 이전 세션 잔여 시간(예: 00:00)으로 즉시 로그아웃되는 현상을 방지합니다.
+    updateLastActive();
+
     // [Step 1] 사용자 활동 이벤트 감지 (마우스, 키보드, 스크롤, 터치)
     const events = ["mousedown", "keydown", "scroll", "touchstart"];
     const handleActivity = () => updateLastActive();
diff --git a/features/dashboard/apis/dashboard.api.ts b/features/dashboard/apis/dashboard.api.ts
new file mode 100644
index 0000000..11a2d95
--- /dev/null
+++ b/features/dashboard/apis/dashboard.api.ts
@@ -0,0 +1,86 @@
+import type { KisRuntimeCredentials } from "@/features/settings/store/use-kis-runtime-store";
+import type {
+  DashboardBalanceResponse,
+  DashboardIndicesResponse,
+} from "@/features/dashboard/types/dashboard.types";
+
+/**
+ * @file features/dashboard/apis/dashboard.api.ts
+ * @description 대시보드 잔고/지수 API 클라이언트
+ */
+
+/**
+ * 계좌 잔고/보유종목을 조회합니다.
+ * @param credentials KIS 인증 정보
+ * @returns 잔고 응답
+ * @see app/api/kis/domestic/balance/route.ts 서버 라우트
+ */
+export async function fetchDashboardBalance(
+  credentials: KisRuntimeCredentials,
+): Promise<DashboardBalanceResponse> {
+  const response = await fetch("/api/kis/domestic/balance", {
+    method: "GET",
+    headers: buildKisRequestHeaders(credentials),
+    cache: "no-store",
+  });
+
+  const payload = (await response.json()) as
+    | DashboardBalanceResponse
+    | { error?: string };
+
+  if (!response.ok) {
+    throw new Error(
+      "error" in payload ? payload.error : "잔고 조회 중 오류가 발생했습니다.",
+    );
+  }
+
+  return payload as DashboardBalanceResponse;
+}
+
+/**
+ * 시장 지수(KOSPI/KOSDAQ)를 조회합니다.
+ * @param credentials KIS 인증 정보
+ * @returns 지수 응답
+ * @see app/api/kis/domestic/indices/route.ts 서버 라우트
+ */
+export async function fetchDashboardIndices(
+  credentials: KisRuntimeCredentials,
+): Promise<DashboardIndicesResponse> {
+  const response = await fetch("/api/kis/domestic/indices", {
+    method: "GET",
+    headers: buildKisRequestHeaders(credentials),
+    cache: "no-store",
+  });
+
+  const payload = (await response.json()) as
+    | DashboardIndicesResponse
+    | { error?: string };
+
+  if (!response.ok) {
+    throw new Error(
+      "error" in payload ? payload.error : "지수 조회 중 오류가 발생했습니다.",
+    );
+  }
+
+  return payload as DashboardIndicesResponse;
+}
+
+/**
+ * 대시보드 API 공통 헤더를 구성합니다.
+ * @param credentials KIS 인증 정보
+ * @returns KIS 전달 헤더
+ * @see features/dashboard/apis/dashboard.api.ts fetchDashboardBalance/fetchDashboardIndices
+ */
+function buildKisRequestHeaders(credentials: KisRuntimeCredentials) {
+  const headers: Record<string, string> = {
+    "x-kis-app-key": credentials.appKey,
+    "x-kis-app-secret": credentials.appSecret,
+    "x-kis-trading-env": credentials.tradingEnv,
+  };
+
+  if (credentials.accountNo?.trim()) {
+    headers["x-kis-account-no"] = credentials.accountNo.trim();
+  }
+
+  return headers;
+}
diff --git a/features/dashboard/components/DashboardAccessGate.tsx b/features/dashboard/components/DashboardAccessGate.tsx
new file mode 100644
index 0000000..1e90234
--- /dev/null
+++ b/features/dashboard/components/DashboardAccessGate.tsx
@@ -0,0 +1,37 @@
+import Link from "next/link";
+import { Button } from "@/components/ui/button";
+
+interface DashboardAccessGateProps {
+  canAccess: boolean;
+}
+
+/**
+ * @description KIS 인증 여부에 따라 대시보드 접근 가이드를 렌더링합니다.
+ * @param canAccess 대시보드 접근 가능 여부
+ * @see features/dashboard/components/DashboardContainer.tsx 인증되지 않은 경우 이 컴포넌트를 렌더링합니다.
+ */
+export function DashboardAccessGate({ canAccess }: DashboardAccessGateProps) {
+  if (canAccess) return null;
+
+  return (
+    <div className="flex h-full items-center justify-center p-6">
+      <section className="w-full max-w-xl rounded-2xl border border-brand-200 bg-background p-6 shadow-sm dark:border-brand-800/45 dark:bg-brand-900/18">
+        {/* ========== UNVERIFIED NOTICE ========== */}
+        <h2 className="text-lg font-semibold text-foreground">
+          대시보드를 보려면 KIS API 인증이 필요합니다.
+        </h2>
+        <p className="mt-2 text-sm text-muted-foreground">
+          설정 페이지에서 App Key/App Secret(그리고 계좌번호)을 입력하고 연결을
+          완료해 주세요.
+        </p>
+
+        {/* ========== ACTION ========== */}
+        <div className="mt-4">
+          <Button asChild className="bg-brand-600 hover:bg-brand-700">
+            <Link href="/settings">설정 페이지로 이동</Link>
+          </Button>
+        </div>
+      </section>
+    </div>
+  );
+}
diff --git a/features/dashboard/components/DashboardContainer.tsx b/features/dashboard/components/DashboardContainer.tsx
new file mode 100644
index 0000000..25aef94
--- /dev/null
+++ b/features/dashboard/components/DashboardContainer.tsx
@@ -0,0 +1,115 @@
+"use client";
+
+import { useMemo } from "react";
+import { useShallow } from "zustand/react/shallow";
+import { LoadingSpinner } from "@/components/ui/loading-spinner";
+import { DashboardAccessGate } from "@/features/dashboard/components/DashboardAccessGate";
+import { DashboardSkeleton } from "@/features/dashboard/components/DashboardSkeleton";
+import { HoldingsList } from "@/features/dashboard/components/HoldingsList";
+import { MarketSummary } from "@/features/dashboard/components/MarketSummary";
+import { StatusHeader } from "@/features/dashboard/components/StatusHeader";
+import { StockDetailPreview } from "@/features/dashboard/components/StockDetailPreview";
+import { useDashboardData } from "@/features/dashboard/hooks/use-dashboard-data";
+import { useKisRuntimeStore } from "@/features/settings/store/use-kis-runtime-store";
+
+/**
+ * @description 대시보드 메인 컨테이너입니다.
+ * @remarks UI 흐름: 대시보드 진입 -> useDashboardData API 호출 -> StatusHeader/MarketSummary/HoldingsList/StockDetailPreview 순으로 렌더링
+ * @see app/(main)/dashboard/page.tsx 로그인 완료 후 이 컴포넌트를 렌더링합니다.
+ * @see features/dashboard/hooks/use-dashboard-data.ts 대시보드 데이터 조회/갱신 상태를 관리합니다.
+ */
+export function DashboardContainer() {
+  const {
+    verifiedCredentials,
+    isKisVerified,
+    _hasHydrated,
+    wsApprovalKey,
+    wsUrl,
+  } = useKisRuntimeStore(
+    useShallow((state) => ({
+      verifiedCredentials: state.verifiedCredentials,
+      isKisVerified: state.isKisVerified,
+      _hasHydrated: state._hasHydrated,
+      wsApprovalKey: state.wsApprovalKey,
+      wsUrl: state.wsUrl,
+    })),
+  );
+
+  const canAccess = isKisVerified && Boolean(verifiedCredentials);
+
+  const {
+    balance,
+    indices,
+    selectedHolding,
+    selectedSymbol,
+    setSelectedSymbol,
+    isLoading,
+    isRefreshing,
+    balanceError,
+    indicesError,
+    lastUpdatedAt,
+    refresh,
+  } = useDashboardData(canAccess ? verifiedCredentials : null);
+
+  const isKisRestConnected = useMemo(() => {
+    if (indices.length > 0) return true;
+    if (balance && !balanceError) return true;
+    return false;
+  }, [balance, balanceError, indices.length]);
+
+  if (!_hasHydrated) {
+    return (
+      <div className="flex h-full items-center justify-center p-6">
+        <LoadingSpinner />
+      </div>
+    );
+  }
+
+  if (!canAccess) {
+    return <DashboardAccessGate canAccess={canAccess} />;
+  }
+
+  if (isLoading && !balance && indices.length === 0) {
+    return <DashboardSkeleton />;
+  }
+
+  return (
+    <section className="mx-auto flex w-full max-w-7xl flex-col gap-4 p-4 md:p-6">
+      {/* ========== STATUS HEADER ========== */}
+      <StatusHeader
+        summary={balance?.summary ?? null}
+        isKisRestConnected={isKisRestConnected}
+        isWebSocketReady={Boolean(wsApprovalKey && wsUrl)}
+        isRefreshing={isRefreshing}
+        lastUpdatedAt={lastUpdatedAt}
+        onRefresh={() => {
+          void refresh();
+        }}
+      />
+
+      {/* ========== MAIN CONTENT GRID ========== */}
+      <div className="grid gap-4 lg:grid-cols-[1.15fr_1fr]">
+        <HoldingsList
+          holdings={balance?.holdings ?? []}
+          selectedSymbol={selectedSymbol}
+          isLoading={isLoading}
+          error={balanceError}
+          onSelect={setSelectedSymbol}
+        />
+
+        <div className="grid gap-4">
+          <MarketSummary
+            items={indices}
+            isLoading={isLoading}
+            error={indicesError}
+          />
+
+          <StockDetailPreview
+            holding={selectedHolding}
+            totalAmount={balance?.summary.totalAmount ?? 0}
+          />
+        </div>
+      </div>
+    </section>
+  );
+}
diff --git a/features/dashboard/components/DashboardSkeleton.tsx b/features/dashboard/components/DashboardSkeleton.tsx
new file mode 100644
index 0000000..47cbb77
--- /dev/null
+++ b/features/dashboard/components/DashboardSkeleton.tsx
@@ -0,0 +1,59 @@
+import { Card, CardContent, CardHeader } from "@/components/ui/card";
+import { Skeleton } from "@/components/ui/skeleton";
+
+/**
+ * @description 대시보드 초기 로딩 스켈레톤 UI입니다.
+ * @see features/dashboard/components/DashboardContainer.tsx isLoading 상태에서 렌더링합니다.
+ */
+export function DashboardSkeleton() {
+  return (
+    <div className="mx-auto flex w-full max-w-7xl flex-col gap-4 p-4 md:p-6">
+      {/* ========== HEADER SKELETON ========== */}
+      <Card className="border-brand-200 dark:border-brand-800/50">
+        <CardContent className="grid gap-3 p-4 md:grid-cols-4">
+          <Skeleton className="h-20 w-full" />
+          <Skeleton className="h-20 w-full" />
+          <Skeleton className="h-20 w-full" />
+          <Skeleton className="h-20 w-full" />
+        </CardContent>
+      </Card>
+
+      {/* ========== BODY SKELETON ========== */}
+      <div className="grid gap-4 lg:grid-cols-[1.15fr_1fr]">
+        <Card>
+          <CardHeader className="pb-2">
+            <Skeleton className="h-5 w-28" />
+          </CardHeader>
+          <CardContent className="space-y-3">
+            {Array.from({ length: 6 }).map((_, index) => (
+              <Skeleton key={index} className="h-14 w-full" />
+            ))}
+          </CardContent>
+        </Card>
+
+        <div className="grid gap-4">
+          <Card>
+            <CardHeader className="pb-2">
+              <Skeleton className="h-5 w-24" />
+            </CardHeader>
+            <CardContent className="space-y-3">
+              <Skeleton className="h-16 w-full" />
+              <Skeleton className="h-16 w-full" />
+            </CardContent>
+          </Card>
+
+          <Card>
+            <CardHeader className="pb-2">
+              <Skeleton className="h-5 w-40" />
+            </CardHeader>
+            <CardContent className="space-y-3">
+              <Skeleton className="h-14 w-full" />
+              <Skeleton className="h-14 w-full" />
+              <Skeleton className="h-14 w-full" />
+            </CardContent>
+          </Card>
+        </div>
+      </div>
+    </div>
+  );
+}
diff --git a/features/dashboard/components/HoldingsList.tsx b/features/dashboard/components/HoldingsList.tsx
new file mode 100644
index 0000000..ae26aa8
--- /dev/null
+++ b/features/dashboard/components/HoldingsList.tsx
@@ -0,0 +1,123 @@
+import { AlertCircle, Wallet2 } from "lucide-react";
+import { ScrollArea } from "@/components/ui/scroll-area";
+import {
+  Card,
+  CardContent,
+  CardDescription,
+  CardHeader,
+  CardTitle,
+} from "@/components/ui/card";
+import type { DashboardHoldingItem } from "@/features/dashboard/types/dashboard.types";
+import {
+  formatCurrency,
+  formatPercent,
+  getChangeToneClass,
+} from "@/features/dashboard/utils/dashboard-format";
+import { cn } from "@/lib/utils";
+
+interface HoldingsListProps {
+  holdings: DashboardHoldingItem[];
+  selectedSymbol: string | null;
+  isLoading: boolean;
+  error: string | null;
+  onSelect: (symbol: string) => void;
+}
+
+/**
+ * @description 보유 종목 리스트 카드입니다.
+ * @see features/dashboard/components/DashboardContainer.tsx 좌측 메인 영역에서 호출합니다.
+ */
+export function HoldingsList({
+  holdings,
+  selectedSymbol,
+  isLoading,
+  error,
+  onSelect,
+}: HoldingsListProps) {
+  return (
+    <Card>
+      <CardHeader className="pb-3">
+        {/* ========== TITLE ========== */}
+        <CardTitle className="flex items-center gap-2 text-base">
+          <Wallet2 className="h-4 w-4 text-brand-600 dark:text-brand-400" />
+          보유 종목
+        </CardTitle>
+        <CardDescription>
+          현재 보유 중인 종목을 선택하면 우측 상세가 갱신됩니다.
+        </CardDescription>
+      </CardHeader>
+
+      <CardContent>
+        {isLoading && holdings.length === 0 && (
+          <p className="text-sm text-muted-foreground">보유 종목을 불러오는 중입니다.</p>
+        )}
+
+        {error && (
+          <p className="mb-2 flex items-start gap-1.5 text-sm text-red-600 dark:text-red-400">
+            <AlertCircle className="mt-0.5 h-4 w-4 shrink-0" />
+            <span>{error}</span>
+          </p>
+        )}
+
+        {!isLoading && holdings.length === 0 && !error && (
+          <p className="text-sm text-muted-foreground">보유 종목이 없습니다.</p>
+        )}
+
+        {holdings.length > 0 && (
+          <ScrollArea className="h-[420px] pr-3">
+            <div className="space-y-2">
+              {holdings.map((holding) => {
+                const isSelected = selectedSymbol === holding.symbol;
+                const toneClass = getChangeToneClass(holding.profitLoss);
+
+                return (
+                  <button
+                    key={holding.symbol}
+                    type="button"
+                    onClick={() => onSelect(holding.symbol)}
+                    className={cn(
+                      "w-full rounded-xl border px-3 py-3 text-left transition-all",
+                      isSelected
+                        ? "border-brand-400 bg-brand-50/60 ring-1 ring-brand-300 dark:border-brand-600 dark:bg-brand-900/20 dark:ring-brand-700"
+                        : "border-border/70 bg-background hover:border-brand-200 hover:bg-brand-50/30 dark:hover:border-brand-700 dark:hover:bg-brand-900/15",
+                    )}
+                  >
+                    {/* ========== ROW TOP ========== */}
+                    <div className="flex items-center justify-between gap-2">
+                      <div>
+                        <p className="text-sm font-semibold text-foreground">
+                          {holding.name}
+                        </p>
+                        <p className="text-xs text-muted-foreground">
+                          {holding.symbol} · {holding.market} · {holding.quantity}주
+                        </p>
+                      </div>
+                      <div className="text-right">
+                        <p className="text-sm font-semibold text-foreground">
+                          {formatCurrency(holding.currentPrice)}원
+                        </p>
+                        <p className={cn("text-xs font-medium", toneClass)}>
+                          {formatPercent(holding.profitRate)}
+                        </p>
+                      </div>
+                    </div>
+
+                    {/* ========== ROW BOTTOM ========== */}
+                    <div className="mt-2 flex items-center justify-between text-xs">
+                      <span className="text-muted-foreground">
+                        평가금액 {formatCurrency(holding.evaluationAmount)}원
+                      </span>
+                      <span className={cn("font-medium", toneClass)}>
+                        손익 {formatCurrency(holding.profitLoss)}원
+                      </span>
+                    </div>
+                  </button>
+                );
+              })}
+            </div>
+          </ScrollArea>
+        )}
+      </CardContent>
+    </Card>
+  );
+}
diff --git a/features/dashboard/components/MarketSummary.tsx b/features/dashboard/components/MarketSummary.tsx
new file mode 100644
index 0000000..3679b21
--- /dev/null
+++ b/features/dashboard/components/MarketSummary.tsx
@@ -0,0 +1,85 @@
+import { AlertCircle, BarChart3 } from "lucide-react";
+import {
+  Card,
+  CardContent,
+  CardDescription,
+  CardHeader,
+  CardTitle,
+} from "@/components/ui/card";
+import type { DashboardMarketIndexItem } from "@/features/dashboard/types/dashboard.types";
+import {
+  formatCurrency,
+  formatSignedCurrency,
+  formatSignedPercent,
+  getChangeToneClass,
+} from "@/features/dashboard/utils/dashboard-format";
+import { cn } from "@/lib/utils";
+
+interface MarketSummaryProps {
+  items: DashboardMarketIndexItem[];
+  isLoading: boolean;
+  error: string | null;
+}
+
+/**
+ * @description 코스피/코스닥 지수 요약 카드입니다.
+ * @see features/dashboard/components/DashboardContainer.tsx 우측 상단 영역에서 호출합니다.
+ */
+export function MarketSummary({ items, isLoading, error }: MarketSummaryProps) {
+  return (
+    <Card className="border-brand-200/80 dark:border-brand-800/45">
+      <CardHeader className="pb-3">
+        {/* ========== TITLE ========== */}
+        <CardTitle className="flex items-center gap-2 text-base">
+          <BarChart3 className="h-4 w-4 text-brand-600 dark:text-brand-400" />
+          시장 요약
+        </CardTitle>
+        <CardDescription>
+          KOSPI/KOSDAQ 주요 지수 변동을 보여줍니다.
+        </CardDescription>
+      </CardHeader>
+
+      <CardContent className="space-y-2">
+        {isLoading && items.length === 0 && (
+          <p className="text-sm text-muted-foreground">지수 데이터를 불러오는 중입니다.</p>
+        )}
+
+        {error && (
+          <p className="flex items-center gap-1.5 text-sm text-red-600 dark:text-red-400">
+            <AlertCircle className="h-4 w-4" />
+            {error}
+          </p>
+        )}
+
+        {items.map((item) => {
+          const toneClass = getChangeToneClass(item.change);
+
+          return (
+            <div
+              key={item.code}
+              className="rounded-xl border border-border/70 bg-background/70 px-3 py-2"
+            >
+              <div className="flex items-end justify-between">
+                <div>
+                  <p className="text-xs text-muted-foreground">{item.market}</p>
+                  <p className="text-sm font-semibold text-foreground">{item.name}</p>
+                </div>
+                <p className="text-lg font-semibold tracking-tight">
+                  {formatCurrency(item.price)}
+                </p>
+              </div>
+              <div className={cn("mt-1 flex items-center gap-2 text-xs font-medium", toneClass)}>
+                <span>{formatSignedCurrency(item.change)}</span>
+                <span>{formatSignedPercent(item.changeRate)}</span>
+              </div>
+            </div>
+          );
+        })}
+
+        {!isLoading && items.length === 0 && !error && (
+          <p className="text-sm text-muted-foreground">표시할 지수 데이터가 없습니다.</p>
+        )}
+      </CardContent>
+    </Card>
+  );
+}
diff --git a/features/dashboard/components/StatusHeader.tsx b/features/dashboard/components/StatusHeader.tsx
new file mode 100644
index 0000000..01449e1
--- /dev/null
+++ b/features/dashboard/components/StatusHeader.tsx
@@ -0,0 +1,128 @@
+import Link from "next/link";
+import { Activity, RefreshCcw, Settings2, Wifi } from "lucide-react";
+import { Button } from "@/components/ui/button";
+import { Card, CardContent } from "@/components/ui/card";
+import type { DashboardBalanceSummary } from "@/features/dashboard/types/dashboard.types";
+import {
+  formatCurrency,
+  formatPercent,
+  getChangeToneClass,
+} from "@/features/dashboard/utils/dashboard-format";
+import { cn } from "@/lib/utils";
+
+interface StatusHeaderProps {
+  summary: DashboardBalanceSummary | null;
+  isKisRestConnected: boolean;
+  isWebSocketReady: boolean;
+  isRefreshing: boolean;
+  lastUpdatedAt: string | null;
+  onRefresh: () => void;
+}
+
+/**
+ * @description 대시보드 상단 상태 헤더(총자산/손익/연결상태/빠른액션) 컴포넌트입니다.
+ * @see features/dashboard/components/DashboardContainer.tsx 대시보드 루트에서 상태 값을 전달받아 렌더링합니다.
+ */
+export function StatusHeader({
+  summary,
+  isKisRestConnected,
+  isWebSocketReady,
+  isRefreshing,
+  lastUpdatedAt,
+  onRefresh,
+}: StatusHeaderProps) {
+  const toneClass = getChangeToneClass(summary?.totalProfitLoss ?? 0);
+  const updatedLabel = lastUpdatedAt
+    ? new Date(lastUpdatedAt).toLocaleTimeString("ko-KR", {
+        hour12: false,
+      })
+    : "--:--:--";
+
+  return (
+    <Card className="relative overflow-hidden border-brand-200 shadow-sm dark:border-brand-800/50">
+      {/* ========== BACKGROUND DECORATION ========== */}
+      <div className="pointer-events-none absolute inset-x-0 top-0 h-20 bg-linear-to-r from-brand-100/70 via-brand-50/50 to-transparent dark:from-brand-900/35 dark:via-brand-900/20" />
+
+      <CardContent className="relative grid gap-3 p-4 md:grid-cols-[1fr_1fr_1fr_auto]">
+        {/* ========== TOTAL ASSET ========== */}
+        <div className="rounded-xl border border-border/70 bg-background/90 px-4 py-3">
+          <p className="text-xs font-medium text-muted-foreground">총 자산</p>
+          <p className="mt-1 text-xl font-semibold tracking-tight">
+            {summary ? `${formatCurrency(summary.totalAmount)}원` : "-"}
+          </p>
+          <p className="mt-1 text-xs text-muted-foreground">
+            예수금 {summary ? `${formatCurrency(summary.cashBalance)}원` : "-"}
+          </p>
+        </div>
+
+        {/* ========== PROFIT/LOSS ========== */}
+        <div className="rounded-xl border border-border/70 bg-background/90 px-4 py-3">
+          <p className="text-xs font-medium text-muted-foreground">실시간 손익</p>
+          <p className={cn("mt-1 text-xl font-semibold tracking-tight", toneClass)}>
+            {summary ? `${formatCurrency(summary.totalProfitLoss)}원` : "-"}
+          </p>
+          <p className={cn("mt-1 text-xs font-medium", toneClass)}>
+            {summary ? formatPercent(summary.totalProfitRate) : "-"}
+          </p>
+        </div>
+
+        {/* ========== CONNECTION STATUS ========== */}
+        <div className="rounded-xl border border-border/70 bg-background/90 px-4 py-3">
+          <p className="text-xs font-medium text-muted-foreground">시스템 상태</p>
+          <div className="mt-2 flex flex-wrap items-center gap-2 text-xs font-medium">
+            <span
+              className={cn(
+                "inline-flex items-center gap-1 rounded-full px-2 py-1",
+                isKisRestConnected
+                  ? "bg-emerald-500/10 text-emerald-600 dark:text-emerald-400"
+                  : "bg-red-500/10 text-red-600 dark:text-red-400",
+              )}
+            >
+              <Wifi className="h-3.5 w-3.5" />
+              REST {isKisRestConnected ? "연결됨" : "연결 끊김"}
+            </span>
+            <span
+              className={cn(
+                "inline-flex items-center gap-1 rounded-full px-2 py-1",
+                isWebSocketReady
+                  ? "bg-emerald-500/10 text-emerald-600 dark:text-emerald-400"
+                  : "bg-muted text-muted-foreground",
+              )}
+            >
+              <Activity className="h-3.5 w-3.5" />
+              WS {isWebSocketReady ? "준비됨" : "미연결"}
+            </span>
+          </div>
+          <p className="mt-2 text-xs text-muted-foreground">
+            마지막 갱신 {updatedLabel}
+          </p>
+        </div>
+
+        {/* ========== QUICK ACTIONS ========== */}
+        <div className="flex items-end gap-2 md:flex-col md:items-stretch md:justify-between">
+          <Button
+            type="button"
+            variant="outline"
+            onClick={onRefresh}
+            disabled={isRefreshing}
+            className="w-full border-brand-200 text-brand-700 hover:bg-brand-50 dark:border-brand-700 dark:text-brand-300 dark:hover:bg-brand-900/30"
+          >
+            <RefreshCcw
+              className={cn("h-4 w-4", isRefreshing ? "animate-spin" : "")}
+            />
+            새로고침
+          </Button>
+          <Button
+            asChild
+            className="w-full bg-brand-600 text-white hover:bg-brand-700"
+          >
+            <Link href="/settings">
+              <Settings2 className="h-4 w-4" />
+              자동매매 설정
+            </Link>
+          </Button>
+        </div>
+      </CardContent>
+    </Card>
+  );
+}
diff --git a/features/dashboard/components/StockDetailPreview.tsx b/features/dashboard/components/StockDetailPreview.tsx
new file mode 100644
index 0000000..1eea0a2
--- /dev/null
+++ b/features/dashboard/components/StockDetailPreview.tsx
@@ -0,0 +1,141 @@
+import { BarChartBig, MousePointerClick } from "lucide-react";
+import {
+  Card,
+  CardContent,
+  CardDescription,
+  CardHeader,
+  CardTitle,
+} from "@/components/ui/card";
+import type { DashboardHoldingItem } from "@/features/dashboard/types/dashboard.types";
+import {
+  formatCurrency,
+  formatPercent,
+  getChangeToneClass,
+} from "@/features/dashboard/utils/dashboard-format";
+import { cn } from "@/lib/utils";
+
+interface StockDetailPreviewProps {
+  holding: DashboardHoldingItem | null;
+  totalAmount: number;
+}
+
+/**
+ * @description 선택 종목 상세 요약 카드입니다.
+ * @see features/dashboard/components/DashboardContainer.tsx HoldingsList 선택 결과를 전달받아 렌더링합니다.
+ */
+export function StockDetailPreview({
+  holding,
+  totalAmount,
+}: StockDetailPreviewProps) {
+  if (!holding) {
+    return (
+      <Card>
+        <CardHeader>
+          <CardTitle className="flex items-center gap-2 text-base">
+            <BarChartBig className="h-4 w-4 text-brand-600 dark:text-brand-400" />
+            종목 상세 미리보기
+          </CardTitle>
+          <CardDescription>
+            보유 종목을 선택하면 상세 요약이 표시됩니다.
+          </CardDescription>
+        </CardHeader>
+        <CardContent>
+          <p className="text-sm text-muted-foreground">
+            왼쪽 보유 종목 리스트에서 종목을 선택해 주세요.
+          </p>
+        </CardContent>
+      </Card>
+    );
+  }
+
+  const profitToneClass = getChangeToneClass(holding.profitLoss);
+  const allocationRate =
+    totalAmount > 0 ? Math.min((holding.evaluationAmount / totalAmount) * 100, 100) : 0;
+
+  return (
+    <Card>
+      <CardHeader className="pb-3">
+        {/* ========== TITLE ========== */}
+        <CardTitle className="flex items-center gap-2 text-base">
+          <BarChartBig className="h-4 w-4 text-brand-600 dark:text-brand-400" />
+          종목 상세 미리보기
+        </CardTitle>
+        <CardDescription>
+          {holding.name} ({holding.symbol}) · {holding.market}
+        </CardDescription>
+      </CardHeader>
+
+      <CardContent className="space-y-4">
+        {/* ========== PRIMARY METRICS ========== */}
+        <div className="grid grid-cols-2 gap-2 text-sm">
+          <Metric label="보유 수량" value={`${holding.quantity.toLocaleString("ko-KR")}주`} />
+          <Metric label="매입 평균가" value={`${formatCurrency(holding.averagePrice)}원`} />
+          <Metric label="현재가" value={`${formatCurrency(holding.currentPrice)}원`} />
+          <Metric
+            label="수익률"
+            value={formatPercent(holding.profitRate)}
+            valueClassName={profitToneClass}
+          />
+          <Metric
+            label="평가손익"
+            value={`${formatCurrency(holding.profitLoss)}원`}
+            valueClassName={profitToneClass}
+          />
+          <Metric
+            label="평가금액"
+            value={`${formatCurrency(holding.evaluationAmount)}원`}
+          />
+        </div>
+
+        {/* ========== ALLOCATION BAR ========== */}
+        <div className="rounded-xl border border-border/70 bg-background/70 p-3">
+          <div className="flex items-center justify-between text-xs text-muted-foreground">
+            <span>총 자산 대비 비중</span>
+            <span>{formatPercent(allocationRate)}</span>
+          </div>
+          <div className="mt-2 h-2 rounded-full bg-muted">
+            <div
+              className="h-2 rounded-full bg-linear-to-r from-brand-500 to-brand-700"
+              style={{ width: `${allocationRate}%` }}
+            />
+          </div>
+        </div>
+
+        {/* ========== QUICK ORDER PLACEHOLDER ========== */}
+        <div className="rounded-xl border border-dashed border-border/80 bg-muted/30 p-3">
+          <p className="flex items-center gap-1.5 text-sm font-medium text-foreground/80">
+            <MousePointerClick className="h-4 w-4 text-brand-500" />
+            간편 주문(준비 중)
+          </p>
+          <p className="mt-1 text-xs text-muted-foreground">
+            향후 이 영역에서 선택 종목의 빠른 매수/매도 기능을 제공합니다.
+          </p>
+        </div>
+      </CardContent>
+    </Card>
+  );
+}
+
+interface MetricProps {
+  label: string;
+  value: string;
+  valueClassName?: string;
+}
+
+/**
+ * @description 상세 카드에서 공통으로 사용하는 지표 행입니다.
+ * @param label 지표명
+ * @param value 지표값
+ * @param valueClassName 값 텍스트 색상 클래스
+ * @see features/dashboard/components/StockDetailPreview.tsx 종목 상세 지표 표시
+ */
+function Metric({ label, value, valueClassName }: MetricProps) {
+  return (
+    <div className="rounded-xl border border-border/70 bg-background/70 p-3">
+      <p className="text-xs text-muted-foreground">{label}</p>
+      <p className={cn("mt-1 text-sm font-semibold text-foreground", valueClassName)}>
+        {value}
+      </p>
+    </div>
+  );
+}
diff --git a/features/dashboard/hooks/use-dashboard-data.ts b/features/dashboard/hooks/use-dashboard-data.ts
new file mode 100644
index 0000000..eb89570
--- /dev/null
+++ b/features/dashboard/hooks/use-dashboard-data.ts
@@ -0,0 +1,182 @@
+"use client";
+
+import { useCallback, useEffect, useMemo, useRef, useState } from "react";
+import type { KisRuntimeCredentials } from "@/features/settings/store/use-kis-runtime-store";
+import {
+  fetchDashboardBalance,
+  fetchDashboardIndices,
+} from "@/features/dashboard/apis/dashboard.api";
+import type {
+  DashboardBalanceResponse,
+  DashboardHoldingItem,
+  DashboardIndicesResponse,
+} from "@/features/dashboard/types/dashboard.types";
+
+interface UseDashboardDataResult {
+  balance: DashboardBalanceResponse | null;
+  indices: DashboardIndicesResponse["items"];
+  selectedHolding: DashboardHoldingItem | null;
+  selectedSymbol: string | null;
+  setSelectedSymbol: (symbol: string) => void;
+  isLoading: boolean;
+  isRefreshing: boolean;
+  balanceError: string | null;
+  indicesError: string | null;
+  lastUpdatedAt: string | null;
+  refresh: () => Promise<void>;
+}
+
+const POLLING_INTERVAL_MS = 60_000;
+
+/**
+ * @description 대시보드 잔고/지수 상태를 관리하는 훅입니다.
+ * @param credentials KIS 인증 정보
+ * @returns 대시보드 데이터/로딩/오류 상태
+ * @remarks UI 흐름: 대시보드 진입 -> refresh("initial") -> balance/indices API 병렬 호출 -> 카드별 상태 반영
+ * @see features/dashboard/components/DashboardContainer.tsx 대시보드 루트 컨테이너
+ * @see features/dashboard/apis/dashboard.api.ts 실제 API 호출 함수
+ */
+export function useDashboardData(
+  credentials: KisRuntimeCredentials | null,
+): UseDashboardDataResult {
+  const [balance, setBalance] = useState<DashboardBalanceResponse | null>(null);
+  const [indices, setIndices] = useState<DashboardIndicesResponse["items"]>([]);
+  const [selectedSymbol, setSelectedSymbolState] = useState<string | null>(null);
+  const [isLoading, setIsLoading] = useState(true);
+  const [isRefreshing, setIsRefreshing] = useState(false);
+  const [balanceError, setBalanceError] = useState<string | null>(null);
+  const [indicesError, setIndicesError] = useState<string | null>(null);
+  const [lastUpdatedAt, setLastUpdatedAt] = useState<string | null>(null);
+
+  const requestSeqRef = useRef(0);
+
+  const hasAccountNo = Boolean(credentials?.accountNo?.trim());
+
+  /**
+   * @description 잔고/지수 데이터를 병렬로 갱신합니다.
+   * @param mode 초기 로드/수동 새로고침/주기 갱신 구분
+   * @see features/dashboard/hooks/use-dashboard-data.ts useEffect 초기 호출/폴링/수동 새로고침
+   */
+  const refreshInternal = useCallback(
+    async (mode: "initial" | "manual" | "polling") => {
+      if (!credentials) return;
+
+      const requestSeq = ++requestSeqRef.current;
+      const isInitial = mode === "initial";
+
+      if (isInitial) {
+        setIsLoading(true);
+      } else {
+        setIsRefreshing(true);
+      }
+
+      const tasks: [
+        Promise<DashboardBalanceResponse | null>,
+        Promise<DashboardIndicesResponse>,
+      ] = [
+        hasAccountNo
+          ? fetchDashboardBalance(credentials)
+          : Promise.resolve(null),
+        fetchDashboardIndices(credentials),
+      ];
+
+      const [balanceResult, indicesResult] = await Promise.allSettled(tasks);
+      if (requestSeq !== requestSeqRef.current) return;
+
+      let hasAnySuccess = false;
+
+      if (!hasAccountNo) {
+        setBalance(null);
+        setBalanceError(
+          "계좌번호가 없어 잔고를 조회할 수 없습니다. 설정에서 계좌번호(8-2)를 입력해 주세요.",
+        );
+        setSelectedSymbolState(null);
+      } else if (balanceResult.status === "fulfilled") {
+        hasAnySuccess = true;
+        setBalance(balanceResult.value);
+        setBalanceError(null);
+
+        setSelectedSymbolState((prev) => {
+          const nextHoldings = balanceResult.value?.holdings ?? [];
+          if (nextHoldings.length === 0) return null;
+          if (prev && nextHoldings.some((item) => item.symbol === prev)) {
+            return prev;
+          }
+          return nextHoldings[0]?.symbol ?? null;
+        });
+      } else {
+        setBalanceError(balanceResult.reason instanceof Error ? balanceResult.reason.message : "잔고 조회에 실패했습니다.");
+      }
+
+      if (indicesResult.status === "fulfilled") {
+        hasAnySuccess = true;
+        setIndices(indicesResult.value.items);
+        setIndicesError(null);
+      } else {
+        setIndicesError(indicesResult.reason instanceof Error ? indicesResult.reason.message : "시장 지수 조회에 실패했습니다.");
+      }
+
+      if (hasAnySuccess) {
+        setLastUpdatedAt(new Date().toISOString());
+      }
+
+      if (isInitial) {
+        setIsLoading(false);
+      } else {
+        setIsRefreshing(false);
+      }
+    },
+    [credentials, hasAccountNo],
+  );
+
+  /**
+   * @description 대시보드 수동 새로고침 핸들러입니다.
+   * @see features/dashboard/components/StatusHeader.tsx 새로고침 버튼 onClick
+   */
+  const refresh = useCallback(async () => {
+    await refreshInternal("manual");
+  }, [refreshInternal]);
+
+  useEffect(() => {
+    if (!credentials) return;
+
+    const timeout = window.setTimeout(() => {
+      void refreshInternal("initial");
+    }, 0);
+
+    return () => window.clearTimeout(timeout);
+  }, [credentials, refreshInternal]);
+
+  useEffect(() => {
+    if (!credentials) return;
+
+    const interval = window.setInterval(() => {
+      void refreshInternal("polling");
+    }, POLLING_INTERVAL_MS);
+
+    return () => window.clearInterval(interval);
+  }, [credentials, refreshInternal]);
+
+  const selectedHolding = useMemo(() => {
+    if (!selectedSymbol || !balance) return null;
+    return balance.holdings.find((item) => item.symbol === selectedSymbol) ?? null;
+  }, [balance, selectedSymbol]);
+
+  const setSelectedSymbol = useCallback((symbol: string) => {
+    setSelectedSymbolState(symbol);
+  }, []);
+
+  return {
+    balance,
+    indices,
+    selectedHolding,
+    selectedSymbol,
+    setSelectedSymbol,
+    isLoading,
+    isRefreshing,
+    balanceError,
+    indicesError,
+    lastUpdatedAt,
+    refresh,
+  };
+}
diff --git a/features/dashboard/types/dashboard.types.ts b/features/dashboard/types/dashboard.types.ts
new file mode 100644
index 0000000..a1bc1a5
--- /dev/null
+++ b/features/dashboard/types/dashboard.types.ts
@@ -0,0 +1,66 @@
+/**
+ * @file features/dashboard/types/dashboard.types.ts
+ * @description 대시보드(잔고/지수/보유종목) 전용 타입 정의
+ */
+
+import type { KisTradingEnv } from "@/features/trade/types/trade.types";
+
+export type DashboardMarket = "KOSPI" | "KOSDAQ";
+
+/**
+ * 대시보드 잔고 요약
+ */
+export interface DashboardBalanceSummary {
+  totalAmount: number;
+  cashBalance: number;
+  totalProfitLoss: number;
+  totalProfitRate: number;
+}
+
+/**
+ * 대시보드 보유 종목 항목
+ */
+export interface DashboardHoldingItem {
+  symbol: string;
+  name: string;
+  market: DashboardMarket;
+  quantity: number;
+  averagePrice: number;
+  currentPrice: number;
+  evaluationAmount: number;
+  profitLoss: number;
+  profitRate: number;
+}
+
+/**
+ * 계좌 잔고 API 응답 모델
+ */
+export interface DashboardBalanceResponse {
+  source: "kis";
+  tradingEnv: KisTradingEnv;
+  summary: DashboardBalanceSummary;
+  holdings: DashboardHoldingItem[];
+  fetchedAt: string;
+}
+
+/**
+ * 시장 지수 항목
+ */
+export interface DashboardMarketIndexItem {
+  market: DashboardMarket;
+  code: string;
+  name: string;
+  price: number;
+  change: number;
+  changeRate: number;
+}
+
+/**
+ * 시장 지수 API 응답 모델
+ */
+export interface DashboardIndicesResponse {
+  source: "kis";
+  tradingEnv: KisTradingEnv;
+  items: DashboardMarketIndexItem[];
+  fetchedAt: string;
+}
diff --git a/features/dashboard/utils/dashboard-format.ts b/features/dashboard/utils/dashboard-format.ts
new file mode 100644
index 0000000..2b25267
--- /dev/null
+++ b/features/dashboard/utils/dashboard-format.ts
@@ -0,0 +1,66 @@
+/**
+ * @file features/dashboard/utils/dashboard-format.ts
+ * @description 대시보드 숫자/색상 표현 유틸
+ */
+
+const KRW_FORMATTER = new Intl.NumberFormat("ko-KR");
+const PERCENT_FORMATTER = new Intl.NumberFormat("ko-KR", {
+  minimumFractionDigits: 2,
+  maximumFractionDigits: 2,
+});
+
+/**
+ * 원화 금액을 포맷합니다.
+ * @param value 숫자 값
+ * @returns 쉼표 포맷 문자열
+ * @see features/dashboard/components/StatusHeader.tsx 자산/손익 금액 표시
+ */
+export function formatCurrency(value: number) {
+  return KRW_FORMATTER.format(value);
+}
+
+/**
+ * 퍼센트 값을 포맷합니다.
+ * @param value 숫자 값
+ * @returns 소수점 2자리 퍼센트 문자열
+ * @see features/dashboard/components/StatusHeader.tsx 수익률 표시
+ */
+export function formatPercent(value: number) {
+  return `${PERCENT_FORMATTER.format(value)}%`;
+}
+
+/**
+ * 값의 부호를 포함한 금액 문자열을 만듭니다.
+ * @param value 숫자 값
+ * @returns + 또는 - 부호가 포함된 금액 문자열
+ * @see features/dashboard/components/MarketSummary.tsx 전일 대비 수치 표시
+ */
+export function formatSignedCurrency(value: number) {
+  if (value > 0) return `+${formatCurrency(value)}`;
+  if (value < 0) return `-${formatCurrency(Math.abs(value))}`;
+  return "0";
+}
+
+/**
+ * 값의 부호를 포함한 퍼센트 문자열을 만듭니다.
+ * @param value 숫자 값
+ * @returns + 또는 - 부호가 포함된 퍼센트 문자열
+ * @see features/dashboard/components/MarketSummary.tsx 전일 대비율 표시
+ */
+export function formatSignedPercent(value: number) {
+  if (value > 0) return `+${formatPercent(value)}`;
+  if (value < 0) return `-${formatPercent(Math.abs(value))}`;
+  return "0.00%";
+}
+
+/**
+ * 숫자 값의 상승/하락/보합 텍스트 색상을 반환합니다.
+ * @param value 숫자 값
+ * @returns Tailwind 텍스트 클래스
+ * @see features/dashboard/components/HoldingsList.tsx 수익률/손익 색상 적용
+ */
+export function getChangeToneClass(value: number) {
+  if (value > 0) return "text-red-600 dark:text-red-400";
+  if (value < 0) return "text-blue-600 dark:text-blue-400";
+  return "text-muted-foreground";
+}
diff --git a/features/layout/components/user-menu.tsx b/features/layout/components/user-menu.tsx
index d102bb3..41ff988 100644
--- a/features/layout/components/user-menu.tsx
+++ b/features/layout/components/user-menu.tsx
@@ -20,6 +20,12 @@ import {
 } from "@/components/ui/dropdown-menu";
 import { cn } from "@/lib/utils";
 
+const SESSION_RELATED_STORAGE_KEYS = [
+  "session-storage",
+  "auth-storage",
+  "autotrade-kis-runtime-store",
+] as const;
+
 interface UserMenuProps {
   /** Supabase User 객체 */
   user: User | null;
@@ -39,6 +45,18 @@ export function UserMenu({ user, blendWithBackground = false }: UserMenuProps) {
 
   if (!user) return null;
 
+  /**
+   * @description 로그아웃 제출 직전에 세션 관련 로컬 스토리지를 정리합니다.
+   * @see features/auth/actions.ts signout - 서버 세션 종료를 담당합니다.
+   */
+  const clearSessionRelatedStorage = () => {
+    if (typeof window === "undefined") return;
+
+    for (const key of SESSION_RELATED_STORAGE_KEYS) {
+      window.localStorage.removeItem(key);
+    }
+  };
+
   return (
     <DropdownMenu modal={false}>
       <DropdownMenuTrigger asChild>
@@ -91,7 +109,7 @@ export function UserMenu({ user, blendWithBackground = false }: UserMenuProps) {
 
         <DropdownMenuSeparator />
 
-        <form action={signout}>
+        <form action={signout} onSubmit={clearSessionRelatedStorage}>
           <DropdownMenuItem asChild>
             <button className="w-full text-red-600 dark:text-red-400">
               <LogOut className="mr-2 h-4 w-4" />
diff --git a/features/settings/components/KisAuthForm.tsx b/features/settings/components/KisAuthForm.tsx
index 8bf53f0..e1a58d5 100644
--- a/features/settings/components/KisAuthForm.tsx
+++ b/features/settings/components/KisAuthForm.tsx
@@ -14,6 +14,7 @@ import {
   CheckCircle2,
   XCircle,
   Lock,
+  CreditCard,
   Sparkles,
   Zap,
   Activity,
@@ -31,11 +32,13 @@ export function KisAuthForm() {
     kisTradingEnvInput,
     kisAppKeyInput,
     kisAppSecretInput,
+    kisAccountNoInput,
     verifiedCredentials,
     isKisVerified,
     setKisTradingEnvInput,
     setKisAppKeyInput,
     setKisAppSecretInput,
+    setKisAccountNoInput,
     setVerifiedKisSession,
     invalidateKisVerification,
     clearKisRuntimeSession,
@@ -44,11 +47,13 @@ export function KisAuthForm() {
       kisTradingEnvInput: state.kisTradingEnvInput,
       kisAppKeyInput: state.kisAppKeyInput,
       kisAppSecretInput: state.kisAppSecretInput,
+      kisAccountNoInput: state.kisAccountNoInput,
       verifiedCredentials: state.verifiedCredentials,
       isKisVerified: state.isKisVerified,
       setKisTradingEnvInput: state.setKisTradingEnvInput,
       setKisAppKeyInput: state.setKisAppKeyInput,
       setKisAppSecretInput: state.setKisAppSecretInput,
+      setKisAccountNoInput: state.setKisAccountNoInput,
       setVerifiedKisSession: state.setVerifiedKisSession,
       invalidateKisVerification: state.invalidateKisVerification,
       clearKisRuntimeSession: state.clearKisRuntimeSession,
@@ -62,7 +67,7 @@ export function KisAuthForm() {
 
   // 입력 필드 Focus 상태 관리를 위한 State
   const [focusedField, setFocusedField] = useState<
-    "appKey" | "appSecret" | null
+    "appKey" | "appSecret" | "accountNo" | null
   >(null);
 
   function handleValidate() {
@@ -73,16 +78,23 @@ export function KisAuthForm() {
 
         const appKey = kisAppKeyInput.trim();
         const appSecret = kisAppSecretInput.trim();
+        const accountNo = kisAccountNoInput.trim();
 
         if (!appKey || !appSecret) {
           throw new Error("App Key와 App Secret을 모두 입력해 주세요.");
         }
 
+        if (accountNo && !isValidAccountNo(accountNo)) {
+          throw new Error(
+            "계좌번호 형식이 올바르지 않습니다. 8-2 형식(예: 12345678-01)으로 입력해 주세요.",
+          );
+        }
+
         const credentials = {
           appKey,
           appSecret,
           tradingEnv: kisTradingEnvInput,
-          accountNo: verifiedCredentials?.accountNo ?? "",
+          accountNo,
         };
 
         const result = await validateKisCredentials(credentials);
@@ -221,6 +233,33 @@ export function KisAuthForm() {
             />
           </div>
 
+          {/* Account No Input */}
+          <div
+            className={cn(
+              "group/input relative flex items-center overflow-hidden rounded-lg border bg-white transition-all duration-200 dark:bg-zinc-900/30",
+              focusedField === "accountNo"
+                ? "border-brand-500 ring-1 ring-brand-500"
+                : "border-zinc-200 hover:border-zinc-300 dark:border-zinc-700 dark:hover:border-zinc-600",
+            )}
+          >
+            <div className="hidden h-9 w-9 items-center justify-center border-r border-zinc-100 bg-zinc-50 text-zinc-400 transition-colors group-focus-within/input:text-brand-500 dark:border-zinc-800 dark:bg-zinc-800/50 dark:text-zinc-500 dark:group-focus-within/input:text-brand-400 sm:flex">
+              <CreditCard className="h-3.5 w-3.5" />
+            </div>
+            <div className="flex h-9 min-w-[70px] items-center justify-center border-r border-zinc-100 bg-zinc-50 px-2 text-[11px] font-semibold text-zinc-500 sm:hidden dark:border-zinc-800 dark:bg-zinc-800/50 dark:text-zinc-500">
+              계좌번호
+            </div>
+            <Input
+              type="text"
+              value={kisAccountNoInput}
+              onChange={(e) => setKisAccountNoInput(e.target.value)}
+              onFocus={() => setFocusedField("accountNo")}
+              onBlur={() => setFocusedField(null)}
+              placeholder="12345678-01"
+              className="h-9 flex-1 border-none bg-transparent px-3 text-xs text-zinc-900 placeholder:text-zinc-400 focus-visible:ring-0 dark:text-zinc-100 dark:placeholder:text-zinc-600"
+              autoComplete="off"
+            />
+          </div>
+
           {/* App Secret Input */}
           <div
             className={cn(
@@ -312,3 +351,14 @@ export function KisAuthForm() {
     </div>
   );
 }
+
+/**
+ * @description KIS 계좌번호(8-2) 입력 포맷을 검증합니다.
+ * @param value 사용자 입력 계좌번호
+ * @returns 형식 유효 여부
+ * @see features/settings/components/KisAuthForm.tsx handleValidate 인증 전 계좌번호 검사
+ */
+function isValidAccountNo(value: string) {
+  const digits = value.replace(/\D/g, "");
+  return digits.length === 10;
+}
diff --git a/features/trade/components/search/StockSearchForm.tsx b/features/trade/components/search/StockSearchForm.tsx
index 313b6fd..77e8e65 100644
--- a/features/trade/components/search/StockSearchForm.tsx
+++ b/features/trade/components/search/StockSearchForm.tsx
@@ -1,5 +1,5 @@
 import type { FormEvent } from "react";
-import { Search } from "lucide-react";
+import { Search, X } from "lucide-react";
 import { Button } from "@/components/ui/button";
 import { Input } from "@/components/ui/input";
 
@@ -24,6 +24,12 @@ export function StockSearchForm({
   disabled,
   isLoading,
 }: StockSearchFormProps) {
+  const handleClear = () => {
+    onKeywordChange("");
+    // 포커스 로직이 필요하다면 상위에서 ref를 전달받거나 여기서 ref를 사용해야 함.
+    // 현재는 단순 값 초기화만 수행.
+  };
+
   return (
     <form onSubmit={onSubmit} className="flex gap-2">
       {/* ========== SEARCH INPUT ========== */}
@@ -35,8 +41,19 @@ export function StockSearchForm({
           onFocus={onInputFocus}
           placeholder="종목명 또는 종목코드(6자리)를 입력하세요."
           autoComplete="off"
-          className="pl-9 dark:border-brand-700/55 dark:bg-brand-900/28 dark:text-brand-100 dark:placeholder:text-brand-100/55"
+          className="pl-9 pr-9 dark:border-brand-700/55 dark:bg-brand-900/28 dark:text-brand-100 dark:placeholder:text-brand-100/55"
         />
+        {keyword && (
+          <button
+            type="button"
+            onClick={handleClear}
+            className="absolute right-2.5 top-2.5 text-muted-foreground hover:text-foreground dark:text-brand-100/65 dark:hover:text-brand-100"
+            tabIndex={-1}
+            aria-label="검색어 지우기"
+          >
+            <X className="h-4 w-4" />
+          </button>
+        )}
       </div>
 
       {/* ========== SUBMIT BUTTON ========== */}
diff --git a/lib/kis/account.ts b/lib/kis/account.ts
new file mode 100644
index 0000000..e90dad1
--- /dev/null
+++ b/lib/kis/account.ts
@@ -0,0 +1,50 @@
+/**
+ * @file lib/kis/account.ts
+ * @description KIS 계좌번호(8-2) 파싱/검증 유틸
+ */
+
+export interface KisAccountParts {
+  accountNo: string;
+  accountProductCode: string;
+}
+
+/**
+ * 입력된 계좌 문자열을 KIS 표준(8-2)으로 변환합니다.
+ * @param accountNoInput 계좌번호(예: 12345678-01 또는 1234567801)
+ * @param accountProductCodeInput 계좌상품코드(2자리, 선택)
+ * @returns 파싱 성공 시 accountNo/accountProductCode
+ * @see app/api/kis/domestic/balance/route.ts 잔고 조회 API에서 계좌 파싱에 사용합니다.
+ */
+export function parseKisAccountParts(
+  accountNoInput?: string | null,
+  accountProductCodeInput?: string | null,
+): KisAccountParts | null {
+  const accountDigits = toDigits(accountNoInput);
+  const productDigits = toDigits(accountProductCodeInput);
+
+  if (accountDigits.length >= 10) {
+    return {
+      accountNo: accountDigits.slice(0, 8),
+      accountProductCode: accountDigits.slice(8, 10),
+    };
+  }
+
+  if (accountDigits.length === 8 && productDigits.length === 2) {
+    return {
+      accountNo: accountDigits,
+      accountProductCode: productDigits,
+    };
+  }
+
+  return null;
+}
+
+/**
+ * 문자열에서 숫자만 추출합니다.
+ * @param value 원본 문자열
+ * @returns 숫자만 남긴 문자열
+ * @see lib/kis/account.ts parseKisAccountParts 입력 정규화 처리
+ */
+function toDigits(value?: string | null) {
+  return (value ?? "").replace(/\D/g, "");
+}
diff --git a/lib/kis/dashboard.ts b/lib/kis/dashboard.ts
new file mode 100644
index 0000000..86bdcb4
--- /dev/null
+++ b/lib/kis/dashboard.ts
@@ -0,0 +1,336 @@
+/**
+ * @file lib/kis/dashboard.ts
+ * @description 대시보드 전용 KIS 잔고/지수 데이터 어댑터
+ */
+
+import { KOREAN_STOCK_INDEX } from "@/features/trade/data/korean-stocks";
+import { kisGet } from "@/lib/kis/client";
+import type { KisCredentialInput } from "@/lib/kis/config";
+import { normalizeTradingEnv } from "@/lib/kis/config";
+import type { KisAccountParts } from "@/lib/kis/account";
+
+interface KisBalanceOutput1Row {
+  pdno?: string;
+  prdt_name?: string;
+  hldg_qty?: string;
+  pchs_avg_pric?: string;
+  prpr?: string;
+  evlu_amt?: string;
+  evlu_pfls_amt?: string;
+  evlu_pfls_rt?: string;
+}
+
+interface KisBalanceOutput2Row {
+  dnca_tot_amt?: string;
+  tot_evlu_amt?: string;
+  scts_evlu_amt?: string;
+  evlu_amt_smtl_amt?: string;
+  evlu_pfls_smtl_amt?: string;
+  asst_icdc_erng_rt?: string;
+}
+
+interface KisIndexOutputRow {
+  bstp_nmix_prpr?: string;
+  bstp_nmix_prdy_vrss?: string;
+  bstp_nmix_prdy_ctrt?: string;
+  prdy_vrss_sign?: string;
+}
+
+export interface DomesticBalanceSummary {
+  totalAmount: number;
+  cashBalance: number;
+  totalProfitLoss: number;
+  totalProfitRate: number;
+}
+
+export interface DomesticHoldingItem {
+  symbol: string;
+  name: string;
+  market: "KOSPI" | "KOSDAQ";
+  quantity: number;
+  averagePrice: number;
+  currentPrice: number;
+  evaluationAmount: number;
+  profitLoss: number;
+  profitRate: number;
+}
+
+export interface DomesticBalanceResult {
+  summary: DomesticBalanceSummary;
+  holdings: DomesticHoldingItem[];
+}
+
+export interface DomesticMarketIndexResult {
+  market: "KOSPI" | "KOSDAQ";
+  code: string;
+  name: string;
+  price: number;
+  change: number;
+  changeRate: number;
+}
+
+const MARKET_BY_SYMBOL = new Map(
+  KOREAN_STOCK_INDEX.map((item) => [item.symbol, item.market] as const),
+);
+
+const INDEX_TARGETS: Array<{
+  market: "KOSPI" | "KOSDAQ";
+  code: string;
+  name: string;
+}> = [
+  { market: "KOSPI", code: "0001", name: "코스피" },
+  { market: "KOSDAQ", code: "1001", name: "코스닥" },
+];
+
+/**
+ * KIS 잔고조회 API를 호출해 대시보드 모델로 변환합니다.
+ * @param account KIS 계좌번호(8-2) 파트
+ * @param credentials 사용자 입력 키(선택)
+ * @returns 대시보드 요약/보유종목 모델
+ * @see app/api/kis/domestic/balance/route.ts 대시보드 잔고 API 응답 생성
+ */
+export async function getDomesticDashboardBalance(
+  account: KisAccountParts,
+  credentials?: KisCredentialInput,
+): Promise<DomesticBalanceResult> {
+  const trId =
+    normalizeTradingEnv(credentials?.tradingEnv) === "real"
+      ? "TTTC8434R"
+      : "VTTC8434R";
+
+  const response = await kisGet<unknown>(
+    "/uapi/domestic-stock/v1/trading/inquire-balance",
+    trId,
+    {
+      CANO: account.accountNo,
+      ACNT_PRDT_CD: account.accountProductCode,
+      AFHR_FLPR_YN: "N",
+      OFL_YN: "",
+      INQR_DVSN: "02",
+      UNPR_DVSN: "01",
+      FUND_STTL_ICLD_YN: "N",
+      FNCG_AMT_AUTO_RDPT_YN: "N",
+      PRCS_DVSN: "00",
+      CTX_AREA_FK100: "",
+      CTX_AREA_NK100: "",
+    },
+    credentials,
+  );
+
+  const holdingRows = parseRows<KisBalanceOutput1Row>(response.output1);
+  const summaryRow = parseFirstRow<KisBalanceOutput2Row>(response.output2);
+
+  const holdings = holdingRows
+    .map((row) => {
+      const symbol = (row.pdno ?? "").trim();
+      if (!/^\d{6}$/.test(symbol)) return null;
+
+      return {
+        symbol,
+        name: (row.prdt_name ?? "").trim() || symbol,
+        market: MARKET_BY_SYMBOL.get(symbol) ?? "KOSPI",
+        quantity: toNumber(row.hldg_qty),
+        averagePrice: toNumber(row.pchs_avg_pric),
+        currentPrice: toNumber(row.prpr),
+        evaluationAmount: toNumber(row.evlu_amt),
+        profitLoss: toNumber(row.evlu_pfls_amt),
+        profitRate: toNumber(row.evlu_pfls_rt),
+      } satisfies DomesticHoldingItem;
+    })
+    .filter((item): item is DomesticHoldingItem => Boolean(item));
+
+  const cashBalance = toNumber(summaryRow?.dnca_tot_amt);
+  const holdingsEvalAmount = sumNumbers(holdings.map((item) => item.evaluationAmount));
+  const stockEvalAmount = firstPositiveNumber(
+    toNumber(summaryRow?.scts_evlu_amt),
+    toNumber(summaryRow?.evlu_amt_smtl_amt),
+    holdingsEvalAmount,
+  );
+  const totalAmount = firstPositiveNumber(
+    stockEvalAmount + cashBalance,
+    toNumber(summaryRow?.tot_evlu_amt),
+    holdingsEvalAmount + cashBalance,
+  );
+  const totalProfitLoss = firstDefinedNumber(
+    toOptionalNumber(summaryRow?.evlu_pfls_smtl_amt),
+    sumNumbers(holdings.map((item) => item.profitLoss)),
+  );
+  const totalProfitRate = firstDefinedNumber(
+    toOptionalNumber(summaryRow?.asst_icdc_erng_rt),
+    calcProfitRate(totalProfitLoss, totalAmount),
+  );
+
+  return {
+    summary: {
+      totalAmount,
+      cashBalance,
+      totalProfitLoss,
+      totalProfitRate,
+    },
+    holdings,
+  };
+}
+
+/**
+ * KOSPI/KOSDAQ 지수를 조회해 대시보드 모델로 변환합니다.
+ * @param credentials 사용자 입력 키(선택)
+ * @returns 지수 목록(코스피/코스닥)
+ * @see app/api/kis/domestic/indices/route.ts 대시보드 지수 API 응답 생성
+ */
+export async function getDomesticDashboardIndices(
+  credentials?: KisCredentialInput,
+): Promise<DomesticMarketIndexResult[]> {
+  const results = await Promise.all(
+    INDEX_TARGETS.map(async (target) => {
+      const response = await kisGet<KisIndexOutputRow>(
+        "/uapi/domestic-stock/v1/quotations/inquire-index-price",
+        "FHPUP02100000",
+        {
+          FID_COND_MRKT_DIV_CODE: "U",
+          FID_INPUT_ISCD: target.code,
+        },
+        credentials,
+      );
+
+      const row = parseIndexRow(response.output);
+      const rawChange = toNumber(row.bstp_nmix_prdy_vrss);
+      const rawChangeRate = toNumber(row.bstp_nmix_prdy_ctrt);
+
+      return {
+        market: target.market,
+        code: target.code,
+        name: target.name,
+        price: toNumber(row.bstp_nmix_prpr),
+        change: normalizeSignedValue(rawChange, row.prdy_vrss_sign),
+        changeRate: normalizeSignedValue(rawChangeRate, row.prdy_vrss_sign),
+      } satisfies DomesticMarketIndexResult;
+    }),
+  );
+
+  return results;
+}
+
+/**
+ * 문자열 숫자를 number로 변환합니다.
+ * @param value KIS 숫자 문자열
+ * @returns 파싱된 숫자(실패 시 0)
+ * @see lib/kis/dashboard.ts 잔고/지수 필드 공통 파싱
+ */
+function toNumber(value?: string) {
+  if (!value) return 0;
+  const normalized = value.replaceAll(",", "").trim();
+  if (!normalized) return 0;
+  const parsed = Number(normalized);
+  return Number.isFinite(parsed) ? parsed : 0;
+}
+
+/**
+ * 문자열 숫자를 number로 변환하되 0도 유효값으로 유지합니다.
+ * @param value KIS 숫자 문자열
+ * @returns 파싱된 숫자 또는 undefined
+ * @see lib/kis/dashboard.ts 요약값 폴백 순서 계산
+ */
+function toOptionalNumber(value?: string) {
+  if (!value) return undefined;
+  const normalized = value.replaceAll(",", "").trim();
+  if (!normalized) return undefined;
+  const parsed = Number(normalized);
+  return Number.isFinite(parsed) ? parsed : undefined;
+}
+
+/**
+ * output 계열 데이터를 배열 형태로 변환합니다.
+ * @param value KIS output 값
+ * @returns 레코드 배열
+ * @see lib/kis/dashboard.ts 잔고 output1/output2 파싱
+ */
+function parseRows<T>(value: unknown): T[] {
+  if (Array.isArray(value)) return value as T[];
+  if (value && typeof value === "object") return [value as T];
+  return [];
+}
+
+/**
+ * output 계열 데이터의 첫 행을 반환합니다.
+ * @param value KIS output 값
+ * @returns 첫 번째 레코드
+ * @see lib/kis/dashboard.ts 잔고 요약(output2) 파싱
+ */
+function parseFirstRow<T>(value: unknown) {
+  const rows = parseRows<T>(value);
+  return rows[0];
+}
+
+/**
+ * 지수 output을 단일 레코드로 정규화합니다.
+ * @param output KIS output
+ * @returns 지수 레코드
+ * @see lib/kis/dashboard.ts getDomesticDashboardIndices
+ */
+function parseIndexRow(output: unknown): KisIndexOutputRow {
+  if (Array.isArray(output) && output[0] && typeof output[0] === "object") {
+    return output[0] as KisIndexOutputRow;
+  }
+  if (output && typeof output === "object") {
+    return output as KisIndexOutputRow;
+  }
+  return {};
+}
+
+/**
+ * KIS 부호 코드(1/2 상승, 4/5 하락)를 실제 부호로 반영합니다.
+ * @param value 변동값
+ * @param signCode 부호 코드
+ * @returns 부호 적용 숫자
+ * @see lib/kis/dashboard.ts getDomesticDashboardIndices
+ */
+function normalizeSignedValue(value: number, signCode?: string) {
+  const abs = Math.abs(value);
+  if (signCode === "4" || signCode === "5") return -abs;
+  if (signCode === "1" || signCode === "2") return abs;
+  return value;
+}
+
+/**
+ * 양수 우선값을 반환합니다.
+ * @param values 후보 숫자 목록
+ * @returns 첫 번째 양수, 없으면 0
+ * @see lib/kis/dashboard.ts 요약 금액 폴백 계산
+ */
+function firstPositiveNumber(...values: number[]) {
+  return values.find((value) => value > 0) ?? 0;
+}
+
+/**
+ * undefined가 아닌 첫 값을 반환합니다.
+ * @param values 후보 숫자 목록
+ * @returns 첫 번째 유효값, 없으면 0
+ * @see lib/kis/dashboard.ts 요약 수익률/손익 폴백 계산
+ */
+function firstDefinedNumber(...values: Array<number | undefined>) {
+  return values.find((value) => value !== undefined) ?? 0;
+}
+
+/**
+ * 숫자 배열 합계를 계산합니다.
+ * @param values 숫자 배열
+ * @returns 합계
+ * @see lib/kis/dashboard.ts 보유종목 합계 계산
+ */
+function sumNumbers(values: number[]) {
+  return values.reduce((total, value) => total + value, 0);
+}
+
+/**
+ * 총자산 대비 손익률을 계산합니다.
+ * @param profit 손익 금액
+ * @param totalAmount 총자산 금액
+ * @returns 손익률(%)
+ * @see lib/kis/dashboard.ts 요약 수익률 폴백 계산
+ */
+function calcProfitRate(profit: number, totalAmount: number) {
+  if (totalAmount <= 0) return 0;
+  const baseAmount = totalAmount - profit;
+  if (baseAmount <= 0) return 0;
+  return (profit / baseAmount) * 100;
+}