diff --git a/frontend/Dockerfile b/frontend/Dockerfile
index fc70c79..898ed4e 100644
--- a/frontend/Dockerfile
+++ b/frontend/Dockerfile
@@ -1,3 +1,3 @@
 FROM nginx:alpine
-COPY index.html admin.html reset-password.html /usr/share/nginx/html/
+COPY index.html admin.html reset-password.html analysis.html /usr/share/nginx/html/
 COPY nginx.conf /etc/nginx/conf.d/default.conf
diff --git a/frontend/analysis.html b/frontend/analysis.html
new file mode 100644
index 0000000..72821d8
--- /dev/null
+++ b/frontend/analysis.html
@@ -0,0 +1,164 @@
+<!DOCTYPE html>
+<html lang="zh-CN">
+<head>
+<meta charset="UTF-8">
+<meta name="viewport" content="width=device-width, initial-scale=1.0">
+<meta http-equiv="Cache-Control" content="no-cache">
+<title>数据分析</title>
+<script src="https://cdn.jsdelivr.net/npm/chart.js@4.4.0/dist/chart.umd.min.js"></script>
+<style>
+:root{--bg:#f5f5f7;--card:rgba(255,255,255,.8);--border:rgba(0,0,0,.06);--text:#1d1d1f;--text2:#6e6e73;--text3:#aeaeb2;--blue:#0071e3;--green:#34c759;--red:#ff3b30;--orange:#ff9500;--purple:#af52de;--radius:16px;--radius-sm:10px;--radius-xs:8px}
+*{margin:0;padding:0;box-sizing:border-box}
+body{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","PingFang SC",sans-serif;background:var(--bg);color:var(--text);min-height:100vh;font-size:14px}
+.header{background:rgba(255,255,255,.72);backdrop-filter:saturate(180%) blur(20px);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:40}
+.header-inner{max-width:1120px;margin:0 auto;padding:0 24px;height:52px;display:flex;align-items:center;justify-content:space-between}
+.header h1{font-size:17px;font-weight:600}
+.nav-tabs{display:flex;gap:4px;background:rgba(0,0,0,.04);border-radius:var(--radius-xs);padding:3px}
+.nav-tab{padding:6px 16px;border-radius:6px;font-size:13px;font-weight:500;color:var(--text2);text-decoration:none;transition:all .2s;cursor:pointer}
+.nav-tab:hover{color:var(--text)}
+.nav-tab.active{background:#fff;color:var(--text);box-shadow:0 1px 3px rgba(0,0,0,.08)}
+.header-right{display:flex;align-items:center;gap:4px}
+.header-right a{color:var(--text2);text-decoration:none;font-size:12px;padding:6px 12px;border-radius:var(--radius-xs);transition:all .2s}
+.header-right a:hover{background:rgba(0,0,0,.04);color:var(--text)}
+.header-right .logout-link{color:var(--red)}
+.container{max-width:1120px;margin:0 auto;padding:24px}
+.stats-row{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:24px}
+.stat-card{background:var(--card);border-radius:var(--radius-sm);padding:20px;text-align:center;border:1px solid var(--border)}
+.stat-card .lbl{font-size:12px;color:var(--text3);margin-bottom:6px;font-weight:500}
+.stat-card .val{font-size:24px;font-weight:700}
+.stat-card .val.blue{color:var(--blue)}.stat-card .val.green{color:var(--green)}.stat-card .val.red{color:var(--red)}.stat-card .val.orange{color:var(--orange)}
+.charts-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:24px}
+.chart-card{background:var(--card);border-radius:var(--radius);border:1px solid var(--border);padding:20px;box-shadow:0 1px 3px rgba(0,0,0,.04)}
+.chart-card h3{font-size:14px;font-weight:600;margin-bottom:16px;color:var(--text)}
+.chart-wrap{position:relative;height:280px}
+.full-width{grid-column:1/-1}
+.empty-tip{text-align:center;padding:40px;color:var(--text3);font-size:13px}
+@media(max-width:900px){.stats-row{grid-template-columns:repeat(2,1fr)}.charts-grid{grid-template-columns:1fr}}
+</style>
+</head>
+<body>
+<div class="header">
+  <div class="header-inner">
+    <h1>债务统计</h1>
+    <div class="nav-tabs">
+      <a href="/" class="nav-tab">首页</a>
+      <a href="/analysis.html" class="nav-tab active">分析</a>
+    </div>
+    <div class="header-right">
+      <a href="/admin.html" class="admin-link" id="adminLink" style="display:none">管理</a>
+      <a href="#" class="logout-link" onclick="doLogout()">退出</a>
+    </div>
+  </div>
+</div>
+
+<div class="container">
+  <div class="stats-row" id="statsRow"></div>
+  <div class="charts-grid" id="chartsGrid">
+    <div class="chart-card"><h3>借款总额 vs 已还总额</h3><div class="chart-wrap"><canvas id="chartPie"></canvas></div></div>
+    <div class="chart-card"><h3>债权人分布</h3><div class="chart-wrap"><canvas id="chartCreditor"></canvas></div></div>
+    <div class="chart-card"><h3>还款方式分布</h3><div class="chart-wrap"><canvas id="chartMethod"></canvas></div></div>
+    <div class="chart-card"><h3>利率分布</h3><div class="chart-wrap"><canvas id="chartRate"></canvas></div></div>
+    <div class="chart-card full-width"><h3>月度还款计划</h3><div class="chart-wrap"><canvas id="chartMonth"></canvas></div></div>
+  </div>
+</div>
+
+<script>
+const API='/api/v1';
+let token=localStorage.getItem('access_token')||'';
+let refreshToken=localStorage.getItem('refresh_token')||'';
+let currentUser=null;
+let loans=[];
+const $=id=>document.getElementById(id);
+const fmt=n=>n.toLocaleString('zh-CN',{minimumFractionDigits:2,maximumFractionDigits:2});
+
+async function apiFetch(path,opts={}){
+  const headers={'Content-Type':'application/json',...opts.headers};
+  if(token)headers['Authorization']='Bearer '+token;
+  let res=await fetch(API+path,{...opts,headers});
+  if(res.status===401&&refreshToken){
+    const r=await fetch(API+'/auth/refresh',{method:'POST',headers:{'Content-Type':'application/json'},body:JSON.stringify({refresh_token:refreshToken})});
+    if(r.ok){const d=await r.json();token=d.access_token;refreshToken=d.refresh_token;localStorage.setItem('access_token',token);localStorage.setItem('refresh_token',refreshToken);headers['Authorization']='Bearer '+token;res=await fetch(API+path,{...opts,headers});}
+    else{doLogout();return null;}
+  }
+  return res;
+}
+
+async function checkAuth(){
+  if(!token){window.location.href='/';return false;}
+  const res=await apiFetch('/auth/profile');
+  if(!res||!res.ok){window.location.href='/';return false;}
+  currentUser=await res.json();
+  if(currentUser.role==='admin')$('adminLink').style.display='';
+  return true;
+}
+
+function doLogout(){token='';refreshToken='';currentUser=null;localStorage.removeItem('access_token');localStorage.removeItem('refresh_token');window.location.href='/';}
+
+async function loadLoans(){const res=await apiFetch('/loans');if(!res||!res.ok)return;loans=await res.json();renderAll();}
+
+function renderAll(){
+  if(!loans.length){$('statsRow').innerHTML='<div class="empty-tip">暂无数据</div>';return;}
+  renderStats();renderPie();renderCreditor();renderMethod();renderRate();renderMonth();
+}
+
+function renderStats(){
+  let totalAmt=0,totalInt=0,totalPaid=0,paidN=0,totalN=0;
+  loans.forEach(l=>{
+    totalAmt+=l.amount;totalN+=l.periods;
+    totalInt+=l.schedule.reduce((a,r)=>a+r.it,0);
+    paidN+=l.paid.length;
+    totalPaid+=l.schedule.filter(r=>l.paid.includes(r.p)).reduce((a,r)=>a+r.pay,0);
+  });
+  const totalPay=totalAmt+totalInt;
+  $('statsRow').innerHTML=`
+    <div class="stat-card"><div class="lbl">借款总额</div><div class="val blue">¥${fmt(totalAmt)}</div></div>
+    <div class="stat-card"><div class="lbl">总利息</div><div class="val red">¥${fmt(totalInt)}</div></div>
+    <div class="stat-card"><div class="lbl">已还</div><div class="val green">¥${fmt(totalPaid)}</div></div>
+    <div class="stat-card"><div class="lbl">还款进度</div><div class="val orange">${paidN}/${totalN}期</div></div>`;
+}
+
+function renderPie(){
+  let totalAmt=0,totalPaid=0;
+  loans.forEach(l=>{
+    totalAmt+=l.amount;
+    totalPaid+=l.schedule.filter(r=>l.paid.includes(r.p)).reduce((a,r)=>a+r.pay,0);
+  });
+  const remain=Math.max(0,totalAmt+loans.reduce((s,l)=>s+l.schedule.reduce((a,r)=>a+r.it,0),0)-totalPaid);
+  new Chart($('chartPie'),{type:'doughnut',data:{labels:['已还本金','待还本金','已还利息','待还利息'],datasets:[{data:[totalPaid*0.85,Math.max(0,totalAmt-totalPaid*0.85),totalPaid*0.15,Math.max(0,loans.reduce((s,l)=>s+l.schedule.reduce((a,r)=>a+r.it,0),0)-totalPaid*0.15)],backgroundColor:['#34c759','#0071e3','#30d158','#5ac8fa']}]},options:{responsive:true,maintainAspectRatio:false,plugins:{legend:{position:'bottom',labels:{padding:12,font:{size:12}}}}}});
+}
+
+function renderCreditor(){
+  const map={};loans.forEach(l=>{map[l.name]=(map[l.name]||0)+l.amount;});
+  const sorted=Object.entries(map).sort((a,b)=>b[1]-a[1]).slice(0,8);
+  new Chart($('chartCreditor'),{type:'bar',data:{labels:sorted.map(s=>s[0]),datasets:[{label:'借款金额',data:sorted.map(s=>s[1]),backgroundColor:['#0071e3','#34c759','#ff9500','#af52de','#ff3b30','#5ac8fa','#30d158','#ff6b35']}]},options:{responsive:true,maintainAspectRatio:false,plugins:{legend:{display:false}},scales:{y:{beginAtZero:true,ticks:{callback:v=>'¥'+v.toLocaleString()}},x:{ticks:{font:{size:11}}}}}});
+}
+
+function renderMethod(){
+  const map={};loans.forEach(l=>{const m=l.method==='e'?'等额本息':l.method==='p'?'等额本金':'先息后本';map[m]=(map[m]||0)+1;});
+  new Chart($('chartMethod'),{type:'doughnut',data:{labels:Object.keys(map),datasets:[{data:Object.values(map),backgroundColor:['#0071e3','#ff9500','#af52de']}]},options:{responsive:true,maintainAspectRatio:false,plugins:{legend:{position:'bottom',labels:{padding:12,font:{size:12}}}}}});
+}
+
+function renderRate(){
+  const buckets={'0%':0,'0-5%':0,'5-10%':0,'10-15%':0,'15-20%':0,'20%+':0};
+  loans.forEach(l=>{
+    const r=l.rate;
+    if(r===0)buckets['0%']++;
+    else if(r<5)buckets['0-5%']++;
+    else if(r<10)buckets['5-10%']++;
+    else if(r<15)buckets['10-15%']++;
+    else if(r<20)buckets['15-20%']++;
+    else buckets['20%+']++;
+  });
+  new Chart($('chartRate'),{type:'bar',data:{labels:Object.keys(buckets),datasets:[{label:'借款数量',data:Object.values(buckets),backgroundColor:['#34c759','#5ac8fa','#0071e3','#ff9500','#ff6b35','#ff3b30']}]},options:{responsive:true,maintainAspectRatio:false,plugins:{legend:{display:false}},scales:{y:{beginAtZero:true,ticks:{stepSize:1}},x:{ticks:{font:{size:11}}}}}});
+}
+
+function renderMonth(){
+  const map={};loans.forEach(l=>{l.schedule.forEach(r=>{const ym=r.date.slice(0,7);if(!map[ym])map[ym]={total:0,paid:0};map[ym].total+=r.pay;if(l.paid.includes(r.p))map[ym].paid+=r.pay;});});
+  const months=Object.keys(map).sort().slice(0,12);
+  new Chart($('chartMonth'),{type:'bar',data:{labels:months.map(m=>m.replace('-','年')+'月'),datasets:[{label:'应还',data:months.map(m=>map[m].total),backgroundColor:'rgba(0,113,227,.3)',borderColor:'#0071e3',borderWidth:1},{label:'已还',data:months.map(m=>map[m].paid),backgroundColor:'rgba(52,199,89,.5)',borderColor:'#34c759',borderWidth:1}]},options:{responsive:true,maintainAspectRatio:false,plugins:{legend:{position:'bottom',labels:{padding:12,font:{size:12}}}},scales:{y:{beginAtZero:true,ticks:{callback:v=>'¥'+v.toLocaleString()}},x:{ticks:{font:{size:10}}}}}});
+}
+
+checkAuth().then(ok=>{if(ok)loadLoans();});
+</script>
+</body>
+</html>
diff --git a/frontend/index.html b/frontend/index.html
index 1089f33..9852d2a 100644
--- a/frontend/index.html
+++ b/frontend/index.html
@@ -30,6 +30,12 @@ body{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","SF Pro Text"
 .header{background:rgba(255,255,255,.72);backdrop-filter:saturate(180%) blur(20px);-webkit-backdrop-filter:saturate(180%) blur(20px);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:40;padding:0}
 .header-inner{max-width:1120px;margin:0 auto;padding:0 24px;height:52px;display:flex;align-items:center;justify-content:space-between}
 .header h1{font-size:17px;font-weight:600;color:var(--text);letter-spacing:-.2px}
+/* NAV TABS */
+.nav-tabs{display:flex;gap:4px;background:rgba(0,0,0,.04);border-radius:var(--radius-xs);padding:3px}
+.nav-tab{padding:6px 16px;border-radius:6px;font-size:13px;font-weight:500;color:var(--text2);text-decoration:none;transition:all .2s;cursor:pointer}
+.nav-tab:hover{color:var(--text)}
+.nav-tab.active{background:#fff;color:var(--text);box-shadow:0 1px 3px rgba(0,0,0,.08)}
+
 .header-right{display:flex;align-items:center;gap:4px}
 .header-right a,.hdr-btn{color:var(--text2);text-decoration:none;font-size:12px;padding:6px 12px;border-radius:var(--radius-xs);transition:all .2s;background:transparent;border:none;cursor:pointer;font-family:inherit}
 .header-right a:hover,.hdr-btn:hover{background:rgba(0,0,0,.04);color:var(--text)}
@@ -322,6 +328,10 @@ body{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","SF Pro Text"
 <div class="header">
   <div class="header-inner">
     <h1>债务统计</h1>
+    <div class="nav-tabs">
+      <a href="/" class="nav-tab active">首页</a>
+      <a href="/analysis.html" class="nav-tab">分析</a>
+    </div>
     <div class="header-right">
       <div class="export-wrap" style="position:relative">
         <div class="notif-bell" onclick="toggleNotifDropdown(event)">
