feat: 新增个人中心功能

- 修改昵称改为个人中心
- 个人中心包含：账号（只读）、昵称、邮箱
- 修改邮箱需要旧邮箱验证码验证
- 后端新增 /auth/verify-email 和 /auth/change-email API
- 两个页面同步更新

backend/app/api/auth.py

@@ -129,6 +129,14 @@ async def list_groups(db: AsyncSession = Depends(get_db)):
     return [{"id": g.id, "name": g.name} for g in result.scalars().all()]
 
 
+
+
+class EmailVerifyRequest(BaseModel):
+    email: str
+
+class EmailChangeRequest(BaseModel):
+    code: str
+    new_email: str
 class ProfileUpdate(BaseModel):
     nickname: str | None = None
     real_email: str | None = None
@@ -148,6 +156,83 @@ async def update_profile(
     return {"message": "资料更新成功"}
 
 
+
+
+@router.post("/verify-email")
+async def send_email_verification(
+    req: EmailVerifyRequest,
+    user: User = Depends(get_current_user),
+    db: AsyncSession = Depends(get_db),
+):
+    import secrets
+    from datetime import timedelta
+    code = f"{secrets.randbelow(1000000):06d}"
+    key = f"email_verify:{user.id}"
+    value = f"{req.email}|{code}|{(datetime.utcnow() + timedelta(minutes=5)).isoformat()}"
+    
+    result = await db.execute(select(SystemSetting).where(SystemSetting.key == key))
+    setting = result.scalar_one_or_none()
+    if setting:
+        setting.value = value
+    else:
+        db.add(SystemSetting(key=key, value=value))
+    await db.commit()
+    
+    if user.real_email:
+        from app.services.email_service import send_email
+        html = f"""
+        <div style="font-family:-apple-system,sans-serif;max-width:480px;margin:0 auto;padding:32px">
+          <h2 style="color:#0071e3;margin-bottom:16px">邮箱变更验证码</h2>
+          <p>Hi {user.nickname or user.email}，</p>
+          <p>您正在修改绑定邮箱，验证码如下：</p>
+          <div style="background:#f5f5f7;border-radius:12px;padding:24px;margin:16px 0;text-align:center">
+            <p style="font-size:36px;font-weight:700;letter-spacing:8px;color:#1d1d1f;margin:0">{code}</p>
+            <p style="color:#6e6e73;font-size:12px;margin:8px 0 0 0">5 分钟内有效</p>
+          </div>
+          <p style="color:#6e6e73;font-size:13px">如非本人操作，请忽略此邮件。</p>
+        </div>
+        """
+        await send_email(user.real_email, "【债务管理系统】邮箱变更验证码", html)
+    
+    return {"message": "验证码已发送到当前邮箱"}
+
+
+@router.post("/change-email")
+async def change_email(
+    req: EmailChangeRequest,
+    user: User = Depends(get_current_user),
+    db: AsyncSession = Depends(get_db),
+):
+    key = f"email_verify:{user.id}"
+    result = await db.execute(select(SystemSetting).where(SystemSetting.key == key))
+    setting = result.scalar_one_or_none()
+    if not setting:
+        raise HTTPException(status_code=400, detail="验证码已过期，请重新获取")
+    
+    parts = setting.value.split("|")
+    if len(parts) != 3 or parts[1] != req.code:
+        raise HTTPException(status_code=400, detail="验证码错误")
+    
+    try:
+        expires_at = datetime.fromisoformat(parts[2])
+    except ValueError:
+        raise HTTPException(status_code=400, detail="验证码格式错误")
+    
+    if datetime.utcnow() > expires_at:
+        await db.delete(setting)
+        await db.commit()
+        raise HTTPException(status_code=400, detail="验证码已过期，请重新获取")
+    
+    # Check if new email is already used
+    existing = await db.execute(select(User).where(User.real_email == req.new_email, User.id != user.id))
+    if existing.scalar_one_or_none():
+        raise HTTPException(status_code=400, detail="该邮箱已被其他账号使用")
+    
+    user.real_email = req.new_email
+    await db.delete(setting)
+    await db.commit()
+    return {"message": "邮箱修改成功"}
+
 @router.put("/password")
 async def change_password(
     req: ChangePasswordRequest,

frontend/analysis.html

@@ -84,6 +84,13 @@ body{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","PingFang SC"
 .error-msg.show{display:block}
 .success-msg{color:var(--green);font-size:13px;margin-top:8px;display:none}
 .success-msg.show{display:block}
+
+.profile-section{padding:4px 0}
+.profile-section .form-row{margin-bottom:14px}
+.profile-section .form-row label{display:block;font-size:13px;font-weight:500;margin-bottom:4px;color:var(--text2)}
+.profile-section .form-row input{width:100%;padding:10px 14px;border:1px solid #d2d2d7;border-radius:var(--radius-xs);font-size:14px;outline:none;transition:all .2s}
+.profile-section .form-row input:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,113,227,.12)}
+.profile-section .form-row input:disabled{background:#f5f5f7;color:var(--text3)}
 </style>
 </head>
 <body>
@@ -110,7 +117,7 @@ body{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","PingFang SC"
       <div class="export-wrap">
         <span class="user-info" id="userInfo" onclick="toggleUserMenu(event)"></span>
         <div class="export-menu" id="userMenu">
-          <a href="#" onclick="showChangeNick(event)">修改昵称</a>
+          <a href="#" onclick="showProfile()">个人中心</a>
           <a href="#" onclick="showChangePwd(event)">修改密码</a>
         </div>
       </div>
@@ -176,6 +183,66 @@ function showChangePwd(e){if(e)e.preventDefault();$('userMenu').classList.remove
 function closeChangePwd(){$('changePwdModal').classList.remove('show');}
 async function doChangePwd(){const old=$('oldPwd').value,nw=$('newPwd').value,nw2=$('newPwd2').value;if(!old||!nw)return $('pwdError').textContent='请填写所有字段';$('pwdError').style.display='';if(nw!==nw2){$('pwdError').textContent='两次新密码不一致';$('pwdError').style.display='';return;}$('pwdError').style.display='none';const res=await apiFetch('/auth/password',{method:'PUT',body:JSON.stringify({old_password:old,new_password:nw})});if(res&&res.ok){$('pwdSuccess').style.display='';$('pwdSuccess').textContent='密码修改成功';$('oldPwd').value='';$('newPwd').value='';$('newPwd2').value='';}else{const d=await res.json();$('pwdError').textContent=d.detail||'修改失败';$('pwdError').style.display='';}}
 
+
+function showProfile(){
+  $('userMenu').classList.remove('show');
+  $('profileAccount').value=currentUser.account;
+  $('profileNickname').value=currentUser.nickname||'';
+  $('profileEmail').value=currentUser.real_email||'';
+  $('emailCodeRow').style.display='none';
+  $('profileEmailCode').value='';
+  $('profileError').style.display='none';
+  $('profileSuccess').style.display='none';
+  $('profileModal').classList.add('show');
+}
+function closeProfile(){$('profileModal').classList.remove('show');}
+
+let emailVerifySent=false;
+async function sendEmailVerify(){
+  const email=$('profileEmail').value.trim();
+  if(!email||!email.includes('@')){showProfileError('请输入有效邮箱');return;}
+  $('profileError').style.display='none';
+  const res=await apiFetch('/auth/verify-email',{method:'POST',body:JSON.stringify({email})});
+  if(res&&res.ok){
+    emailVerifySent=true;
+    $('emailCodeRow').style.display='';
+    $('profileSuccess').style.display='';$('profileSuccess').textContent='验证码已发送到当前邮箱';
+  }else{
+    const d=await res.json().catch(()=>({}));
+    showProfileError(d.detail||'发送失败');
+  }
+}
+
+function showProfileError(msg){$('profileError').textContent=msg;$('profileError').style.display='';}
+function hideProfileError(){$('profileError').style.display='none';}
+
+async function saveProfile(){
+  const nick=$('profileNickname').value.trim();
+  const email=$('profileEmail').value.trim();
+  const code=$('profileEmailCode').value.trim();
+  
+  hideProfileError();
+  $('profileSuccess').style.display='none';
+  
+  // Update nickname
+  if(nick!==currentUser.nickname){
+    const res=await apiFetch('/auth/profile',{method:'PUT',body:JSON.stringify({nickname:nick})});
+    if(res&&res.ok){currentUser.nickname=nick;$('userInfo').textContent=nick||currentUser.account;}
+    else{const d=await res.json().catch(()=>({}));showProfileError(d.detail||'昵称修改失败');return;}
+  }
+  
+  // Update email if changed and code provided
+  if(email&&email!==currentUser.real_email){
+    if(!code){showProfileError('请输入邮箱验证码');$('emailCodeRow').style.display='';return;}
+    const res=await apiFetch('/auth/change-email',{method:'POST',body:JSON.stringify({code,new_email:email})});
+    if(res&&res.ok){currentUser.real_email=email;}
+    else{const d=await res.json().catch(()=>({}));showProfileError(d.detail||'邮箱修改失败');return;}
+  }
+  
+  $('profileSuccess').style.display='';$('profileSuccess').textContent='保存成功';
+  setTimeout(()=>{closeProfile();},1000);
+}
+
 async function checkAuth(){
   if(!token){window.location.href='/';return false;}
   const res=await apiFetch('/auth/profile');
@@ -273,6 +340,33 @@ function exportJSON(e){e.preventDefault();if(!loans.length)return;const data=loa
 function exportHTML(e){e.preventDefault();if(!loans.length)return;let h=`<html><head><meta charset="utf-8"><title>债务统计</title></head><body><h2>债务统计报表</h2><table border="1"><tr><th>借款人</th><th>金额</th><th>利率</th><th>期数</th></tr>`;loans.forEach(l=>{h+=`<tr><td>${escapeHtml(l.name)}</td><td>¥${l.amount.toLocaleString()}</td><td>${l.rate}%</td><td>${l.paid.length}/${l.periods}</td></tr>`;});h+=`</table>
 <div class="modal-mask" id="changeNickModal"><div class="modal"><h3>修改昵称</h3><div class="form-row"><label>新昵称</label><input type="text" id="newNick" placeholder="请输入新昵称"></div><div id="nickError" class="error-msg" style="display:none"></div><div id="nickSuccess" class="success-msg" style="display:none"></div><div class="btn-row"><button class="btn btn-ghost" onclick="closeChangeNick()">取消</button><button class="btn btn-main" onclick="doChangeNick()">确认修改</button></div></div></div>
 <div class="modal-mask" id="changePwdModal"><div class="modal"><h3>修改密码</h3><div class="form-row"><label>原密码</label><input type="password" id="oldPwd" placeholder="请输入原密码"></div><div class="form-row"><label>新密码</label><input type="password" id="newPwd" placeholder="请输入新密码"></div><div class="form-row"><label>确认新密码</label><input type="password" id="newPwd2" placeholder="请再次输入新密码"></div><div id="pwdError" class="error-msg" style="display:none"></div><div id="pwdSuccess" class="success-msg" style="display:none"></div><div class="btn-row"><button class="btn btn-ghost" onclick="closeChangePwd()">取消</button><button class="btn btn-main" onclick="doChangePwd()">确认修改</button></div></div></div>
+
+<div class="modal-mask" id="profileModal">
+  <div class="modal" style="max-width:480px">
+    <h3>个人中心</h3>
+    <div class="profile-section">
+      <div class="form-row"><label>账号</label><input type="text" id="profileAccount" disabled style="background:#f5f5f7"></div>
+      <div class="form-row"><label>昵称</label><input type="text" id="profileNickname" placeholder="请输入昵称"></div>
+      <div class="form-row">
+        <label>邮箱</label>
+        <div style="display:flex;gap:8px">
+          <input type="email" id="profileEmail" placeholder="请输入邮箱" style="flex:1">
+          <button class="btn btn-ghost" style="flex:none;width:auto;padding:8px 16px;font-size:12px" onclick="sendEmailVerify()">发送验证码</button>
+        </div>
+      </div>
+      <div class="form-row" id="emailCodeRow" style="display:none">
+        <label>验证码</label>
+        <input type="text" id="profileEmailCode" placeholder="请输入6位验证码" maxlength="6">
+      </div>
+      <div id="profileError" class="error-msg" style="display:none"></div>
+      <div id="profileSuccess" class="success-msg" style="display:none"></div>
+      <div class="btn-row">
+        <button class="btn btn-ghost" onclick="closeProfile()">取消</button>
+        <button class="btn btn-main" onclick="saveProfile()">保存</button>
+      </div>
+    </div>
+  </div>
+</div>
 </body></html>`;download('债务统计_'+new Date().toISOString().slice(0,10)+'.html',h,'text/html;charset=utf-8');}
 function downloadTemplate(e){e.preventDefault();$('importMenu').classList.remove('show');let csv='借款人,借款日期,借款金额,年利率(%),总利息,分期数,还款方式\n';csv+='张三,2026-01-01,100000,5.7,5198.99,24,等额本息\n';download('导入模板.csv',csv,'text/csv;charset=utf-8');}
 function showImportModal(e){e.preventDefault();$('importMenu').classList.remove('show');}
@@ -282,5 +376,32 @@ checkAuth().then(ok=>{if(ok)loadLoans();});
 
 <div class="modal-mask" id="changeNickModal"><div class="modal"><h3>修改昵称</h3><div class="form-row"><label>新昵称</label><input type="text" id="newNick" placeholder="请输入新昵称"></div><div id="nickError" class="error-msg" style="display:none"></div><div id="nickSuccess" class="success-msg" style="display:none"></div><div class="btn-row"><button class="btn btn-ghost" onclick="closeChangeNick()">取消</button><button class="btn btn-main" onclick="doChangeNick()">确认修改</button></div></div></div>
 <div class="modal-mask" id="changePwdModal"><div class="modal"><h3>修改密码</h3><div class="form-row"><label>原密码</label><input type="password" id="oldPwd" placeholder="请输入原密码"></div><div class="form-row"><label>新密码</label><input type="password" id="newPwd" placeholder="请输入新密码"></div><div class="form-row"><label>确认新密码</label><input type="password" id="newPwd2" placeholder="请再次输入新密码"></div><div id="pwdError" class="error-msg" style="display:none"></div><div id="pwdSuccess" class="success-msg" style="display:none"></div><div class="btn-row"><button class="btn btn-ghost" onclick="closeChangePwd()">取消</button><button class="btn btn-main" onclick="doChangePwd()">确认修改</button></div></div></div>
+
+<div class="modal-mask" id="profileModal">
+  <div class="modal" style="max-width:480px">
+    <h3>个人中心</h3>
+    <div class="profile-section">
+      <div class="form-row"><label>账号</label><input type="text" id="profileAccount" disabled style="background:#f5f5f7"></div>
+      <div class="form-row"><label>昵称</label><input type="text" id="profileNickname" placeholder="请输入昵称"></div>
+      <div class="form-row">
+        <label>邮箱</label>
+        <div style="display:flex;gap:8px">
+          <input type="email" id="profileEmail" placeholder="请输入邮箱" style="flex:1">
+          <button class="btn btn-ghost" style="flex:none;width:auto;padding:8px 16px;font-size:12px" onclick="sendEmailVerify()">发送验证码</button>
+        </div>
+      </div>
+      <div class="form-row" id="emailCodeRow" style="display:none">
+        <label>验证码</label>
+        <input type="text" id="profileEmailCode" placeholder="请输入6位验证码" maxlength="6">
+      </div>
+      <div id="profileError" class="error-msg" style="display:none"></div>
+      <div id="profileSuccess" class="success-msg" style="display:none"></div>
+      <div class="btn-row">
+        <button class="btn btn-ghost" onclick="closeProfile()">取消</button>
+        <button class="btn btn-main" onclick="saveProfile()">保存</button>
+      </div>
+    </div>
+  </div>
+</div>
 </body>
 </html>

frontend/index.html

@@ -279,6 +279,13 @@ body{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","SF Pro Text"
 .notif-item .notif-msg{font-size:12px;color:var(--text3);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
 .notif-item .notif-time{font-size:11px;color:var(--text3);white-space:nowrap}
 .notif-empty{text-align:center;padding:32px;color:var(--text3);font-size:13px}
+
+.profile-section{padding:4px 0}
+.profile-section .form-row{margin-bottom:14px}
+.profile-section .form-row label{display:block;font-size:13px;font-weight:500;margin-bottom:4px;color:var(--text2)}
+.profile-section .form-row input{width:100%;padding:10px 14px;border:1px solid #d2d2d7;border-radius:var(--radius-xs);font-size:14px;outline:none;transition:all .2s}
+.profile-section .form-row input:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,113,227,.12)}
+.profile-section .form-row input:disabled{background:#f5f5f7;color:var(--text3)}
 </style>
 </head>
 <body>
@@ -376,7 +383,7 @@ body{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","SF Pro Text"
       <div class="export-wrap">
         <span class="user-info" id="userInfo" onclick="toggleUserMenu(event)"></span>
         <div class="export-menu" id="userMenu">
-          <a href="#" onclick="showChangeNick(event)">修改昵称</a>
+          <a href="#" onclick="showProfile()">个人中心</a>
           <a href="#" onclick="showChangePwd(event)">修改密码</a>
         </div>
       </div>
@@ -499,6 +506,66 @@ async function apiFetch(path,opts={}){
 }
 
 function toggleUserMenu(e){e.stopPropagation();$('userMenu').classList.toggle('show');}
+
+function showProfile(){
+  $('userMenu').classList.remove('show');
+  $('profileAccount').value=currentUser.account;
+  $('profileNickname').value=currentUser.nickname||'';
+  $('profileEmail').value=currentUser.real_email||'';
+  $('emailCodeRow').style.display='none';
+  $('profileEmailCode').value='';
+  $('profileError').style.display='none';
+  $('profileSuccess').style.display='none';
+  $('profileModal').classList.add('show');
+}
+function closeProfile(){$('profileModal').classList.remove('show');}
+
+let emailVerifySent=false;
+async function sendEmailVerify(){
+  const email=$('profileEmail').value.trim();
+  if(!email||!email.includes('@')){showProfileError('请输入有效邮箱');return;}
+  $('profileError').style.display='none';
+  const res=await apiFetch('/auth/verify-email',{method:'POST',body:JSON.stringify({email})});
+  if(res&&res.ok){
+    emailVerifySent=true;
+    $('emailCodeRow').style.display='';
+    $('profileSuccess').style.display='';$('profileSuccess').textContent='验证码已发送到当前邮箱';
+  }else{
+    const d=await res.json().catch(()=>({}));
+    showProfileError(d.detail||'发送失败');
+  }
+}
+
+function showProfileError(msg){$('profileError').textContent=msg;$('profileError').style.display='';}
+function hideProfileError(){$('profileError').style.display='none';}
+
+async function saveProfile(){
+  const nick=$('profileNickname').value.trim();
+  const email=$('profileEmail').value.trim();
+  const code=$('profileEmailCode').value.trim();
+  
+  hideProfileError();
+  $('profileSuccess').style.display='none';
+  
+  // Update nickname
+  if(nick!==currentUser.nickname){
+    const res=await apiFetch('/auth/profile',{method:'PUT',body:JSON.stringify({nickname:nick})});
+    if(res&&res.ok){currentUser.nickname=nick;$('userInfo').textContent=nick||currentUser.account;}
+    else{const d=await res.json().catch(()=>({}));showProfileError(d.detail||'昵称修改失败');return;}
+  }
+  
+  // Update email if changed and code provided
+  if(email&&email!==currentUser.real_email){
+    if(!code){showProfileError('请输入邮箱验证码');$('emailCodeRow').style.display='';return;}
+    const res=await apiFetch('/auth/change-email',{method:'POST',body:JSON.stringify({code,new_email:email})});
+    if(res&&res.ok){currentUser.real_email=email;}
+    else{const d=await res.json().catch(()=>({}));showProfileError(d.detail||'邮箱修改失败');return;}
+  }
+  
+  $('profileSuccess').style.display='';$('profileSuccess').textContent='保存成功';
+  setTimeout(()=>{closeProfile();},1000);
+}
+
 async function checkAuth(){
   if(!token){showLogin();return false;}
   const res=await apiFetch('/auth/profile');
@@ -627,7 +694,41 @@ document.addEventListener('click',function(){$('exportMenu').classList.remove('s
 function download(filename,content,mime){const blob=new Blob(['\uFEFF'+content],{type:mime});const a=document.createElement('a');a.href=URL.createObjectURL(blob);a.download=filename;a.click();}
 function exportCSV(e){e.preventDefault();if(!loans.length)return showToast('暂无数据可导出','info');let csv='借款人,借款日期,借款金额,年利率(%),总利息,分期数,还款方式,已还期数,状态\n';loans.forEach(l=>{const ti=l.schedule.reduce((s,r)=>s+r.it,0);const paid=l.paid.length+'/'+l.periods;const status=l.paid.length>=l.periods?'已还清':'还款中';csv+=`${escapeHtml(l.name)},${l.date},${l.amount},${l.rate},${ti.toFixed(2)},${l.periods},${methodLabel(l.method)},${paid},${status}\n`;});download('债务统计_'+today()+'.csv',csv,'text/csv;charset=utf-8');}
 function exportJSON(e){e.preventDefault();if(!loans.length)return showToast('暂无数据可导出','info');const data=loans.map(l=>({借款人:l.name,借款日期:l.date,借款金额:l.amount,年利率:l.rate,分期数:l.periods,还款方式:methodLabel(l.method),已还期数:l.paid.length,状态:l.paid.length>=l.periods?'已还清':'还款中',还款计划:l.schedule.map(r=>({期数:r.p,日期:r.date,还款额:r.pay,本金:r.pr,利息:r.it}))}));download('债务统计_'+today()+'.json',JSON.stringify(data,null,2),'application/json;charset=utf-8');}
-function exportHTML(e){e.preventDefault();if(!loans.length)return showToast('暂无数据可导出','info');let h=`<html><head><meta charset="utf-8"><title>债务统计</title><style>body{font-family:"Microsoft YaHei",sans-serif;padding:20px}h2{color:#1d1d1f}table{border-collapse:collapse;width:100%;font-size:13px;margin-bottom:20px}th{background:#0071e3;color:#fff;padding:8px 12px;text-align:left}td{padding:6px 12px;border-bottom:1px solid #d2d2d7}tr:nth-child(even){background:#f5f5f7}.done{color:#34c759;font-weight:600}</style></head><body><h2>债务统计报表 - ${today()}</h2>`;loans.forEach(l=>{const ti=l.schedule.reduce((s,r)=>s+r.it,0);const st=l.paid.length>=l.periods;h+=`<h3>${escapeHtml(l.name)} - ${l.date} - ¥${fmt(l.amount)}${st?' <span class="done">已还清</span>':''}</h3><p>年利率 ${l.rate}% · ${methodLabel(l.method)} · ${l.periods}期 · 总利息 ¥${ti.toFixed(2)}</p><table><tr><th>期数</th><th>日期</th><th>还款额</th><th>本金</th><th>利息</th><th>剩余本金</th><th>状态</th></tr>`;l.schedule.forEach(r=>{h+=`<tr><td>${r.p}</td><td>${r.date}</td><td>¥${fmt(r.pay)}</td><td>¥${fmt(r.pr)}</td><td>¥${fmt(r.it)}</td><td>¥${fmt(r.rp)}</td><td>${l.paid.includes(r.p)?'✓ 已还':'待还'}</td></tr>`;});h+=`</table>`;});h+=`</body></html>`;download('债务统计_'+today()+'.html',h,'text/html;charset=utf-8');}
+function exportHTML(e){e.preventDefault();if(!loans.length)return showToast('暂无数据可导出','info');let h=`<html><head><meta charset="utf-8"><title>债务统计</title><style>body{font-family:"Microsoft YaHei",sans-serif;padding:20px}h2{color:#1d1d1f}table{border-collapse:collapse;width:100%;font-size:13px;margin-bottom:20px}th{background:#0071e3;color:#fff;padding:8px 12px;text-align:left}td{padding:6px 12px;border-bottom:1px solid #d2d2d7}tr:nth-child(even){background:#f5f5f7}.done{color:#34c759;font-weight:600}
+.profile-section{padding:4px 0}
+.profile-section .form-row{margin-bottom:14px}
+.profile-section .form-row label{display:block;font-size:13px;font-weight:500;margin-bottom:4px;color:var(--text2)}
+.profile-section .form-row input{width:100%;padding:10px 14px;border:1px solid #d2d2d7;border-radius:var(--radius-xs);font-size:14px;outline:none;transition:all .2s}
+.profile-section .form-row input:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,113,227,.12)}
+.profile-section .form-row input:disabled{background:#f5f5f7;color:var(--text3)}
+</style></head><body><h2>债务统计报表 - ${today()}</h2>`;loans.forEach(l=>{const ti=l.schedule.reduce((s,r)=>s+r.it,0);const st=l.paid.length>=l.periods;h+=`<h3>${escapeHtml(l.name)} - ${l.date} - ¥${fmt(l.amount)}${st?' <span class="done">已还清</span>':''}</h3><p>年利率 ${l.rate}% · ${methodLabel(l.method)} · ${l.periods}期 · 总利息 ¥${ti.toFixed(2)}</p><table><tr><th>期数</th><th>日期</th><th>还款额</th><th>本金</th><th>利息</th><th>剩余本金</th><th>状态</th></tr>`;l.schedule.forEach(r=>{h+=`<tr><td>${r.p}</td><td>${r.date}</td><td>¥${fmt(r.pay)}</td><td>¥${fmt(r.pr)}</td><td>¥${fmt(r.it)}</td><td>¥${fmt(r.rp)}</td><td>${l.paid.includes(r.p)?'✓ 已还':'待还'}</td></tr>`;});h+=`</table>`;});h+=`
+<div class="modal-mask" id="profileModal">
+  <div class="modal" style="max-width:480px">
+    <h3>个人中心</h3>
+    <div class="profile-section">
+      <div class="form-row"><label>账号</label><input type="text" id="profileAccount" disabled style="background:#f5f5f7"></div>
+      <div class="form-row"><label>昵称</label><input type="text" id="profileNickname" placeholder="请输入昵称"></div>
+      <div class="form-row">
+        <label>邮箱</label>
+        <div style="display:flex;gap:8px">
+          <input type="email" id="profileEmail" placeholder="请输入邮箱" style="flex:1">
+          <button class="btn btn-ghost" style="flex:none;width:auto;padding:8px 16px;font-size:12px" onclick="sendEmailVerify()">发送验证码</button>
+        </div>
+      </div>
+      <div class="form-row" id="emailCodeRow" style="display:none">
+        <label>验证码</label>
+        <input type="text" id="profileEmailCode" placeholder="请输入6位验证码" maxlength="6">
+      </div>
+      <div id="profileError" class="error-msg" style="display:none"></div>
+      <div id="profileSuccess" class="success-msg" style="display:none"></div>
+      <div class="btn-row">
+        <button class="btn btn-ghost" onclick="closeProfile()">取消</button>
+        <button class="btn btn-main" onclick="saveProfile()">保存</button>
+      </div>
+    </div>
+  </div>
+</div>
+</body></html>`;download('债务统计_'+today()+'.html',h,'text/html;charset=utf-8');}
 function toggleImport(e){e.stopPropagation();$('importMenu').classList.toggle('show');}
 document.addEventListener('click',function(){$('importMenu').classList.remove('show');});
 function showImportModal(e){e.preventDefault();$('importMenu').classList.remove('show');$('importFile').value='';$('importError').style.display='none';$('importSuccess').style.display='none';$('importModal').classList.add('show');}
@@ -699,5 +800,32 @@ async function doForgotStep3(){
 
 checkAuth().then(ok=>{if(ok)loadLoans();});
 </script>
+
+<div class="modal-mask" id="profileModal">
+  <div class="modal" style="max-width:480px">
+    <h3>个人中心</h3>
+    <div class="profile-section">
+      <div class="form-row"><label>账号</label><input type="text" id="profileAccount" disabled style="background:#f5f5f7"></div>
+      <div class="form-row"><label>昵称</label><input type="text" id="profileNickname" placeholder="请输入昵称"></div>
+      <div class="form-row">
+        <label>邮箱</label>
+        <div style="display:flex;gap:8px">
+          <input type="email" id="profileEmail" placeholder="请输入邮箱" style="flex:1">
+          <button class="btn btn-ghost" style="flex:none;width:auto;padding:8px 16px;font-size:12px" onclick="sendEmailVerify()">发送验证码</button>
+        </div>
+      </div>
+      <div class="form-row" id="emailCodeRow" style="display:none">
+        <label>验证码</label>
+        <input type="text" id="profileEmailCode" placeholder="请输入6位验证码" maxlength="6">
+      </div>
+      <div id="profileError" class="error-msg" style="display:none"></div>
+      <div id="profileSuccess" class="success-msg" style="display:none"></div>
+      <div class="btn-row">
+        <button class="btn btn-ghost" onclick="closeProfile()">取消</button>
+        <button class="btn btn-main" onclick="saveProfile()">保存</button>
+      </div>
+    </div>
+  </div>
+</div>
 </body>
 </html>