feat: 新增 CommandPalette 和 HealthScoreModal 组件，优化应用布局并引入 Budget、Home 页面。

src/components/common/CommandPalette/CommandPalette.css

@@ -0,0 +1,204 @@
+/* CommandPalette.css */
+.command-palette-overlay {
+    position: fixed;
+    top: 0;
+    left: 0;
+    width: 100vw;
+    height: 100vh;
+    background-color: rgba(0, 0, 0, 0.4);
+    backdrop-filter: blur(4px);
+    z-index: 9999;
+    display: flex;
+    align-items: flex-start;
+    justify-content: center;
+    padding-top: 20vh;
+    opacity: 0;
+    animation: fadeIn 0.2s ease-out forwards;
+}
+
+.command-palette-modal {
+    width: 100%;
+    max-width: 600px;
+    background: var(--glass-panel-bg);
+    backdrop-filter: blur(20px);
+    -webkit-backdrop-filter: blur(20px);
+    border-radius: var(--radius-xl);
+    border: 1px solid var(--glass-border);
+    box-shadow: var(--shadow-2xl);
+    overflow: hidden;
+    display: flex;
+    flex-direction: column;
+    transform: translateY(-20px) scale(0.95);
+    animation: slideIn 0.2s ease-out forwards;
+}
+
+.command-palette-header {
+    padding: var(--space-4);
+    border-bottom: 1px solid var(--glass-border);
+    display: flex;
+    align-items: center;
+    gap: var(--space-3);
+}
+
+.command-palette-search-icon {
+    color: var(--text-secondary);
+    flex-shrink: 0;
+}
+
+.command-palette-input {
+    flex: 1;
+    background: transparent;
+    border: none;
+    font-size: var(--text-lg);
+    color: var(--text-primary);
+    outline: none;
+    font-family: var(--font-sans);
+}
+
+.command-palette-input::placeholder {
+    color: var(--text-muted);
+}
+
+.command-palette-results {
+    max-height: 400px;
+    overflow-y: auto;
+    padding: var(--space-2);
+}
+
+/* Scrollbar styling */
+.command-palette-results::-webkit-scrollbar {
+    width: 6px;
+}
+
+.command-palette-results::-webkit-scrollbar-track {
+    background: transparent;
+}
+
+.command-palette-results::-webkit-scrollbar-thumb {
+    background: rgba(0, 0, 0, 0.1);
+    border-radius: 3px;
+}
+
+.command-palette-group-title {
+    padding: var(--space-2) var(--space-3);
+    font-size: var(--text-xs);
+    font-weight: var(--font-medium);
+    color: var(--text-muted);
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+    margin-top: var(--space-2);
+}
+
+.command-palette-item {
+    display: flex;
+    align-items: center;
+    gap: var(--space-3);
+    padding: var(--space-3);
+    border-radius: var(--radius-md);
+    cursor: pointer;
+    transition: all 0.1s ease;
+    color: var(--text-primary);
+    text-decoration: none;
+}
+
+.command-palette-item:hover,
+.command-palette-item.active {
+    background-color: var(--primary-light);
+    /* Or a subtle background */
+    background: rgba(var(--color-primary-rgb), 0.1);
+    /* Fallback or specific opacity */
+}
+
+/* Ensure we use defined variables */
+.command-palette-item:hover,
+.command-palette-item.active {
+    background-color: var(--bg-hover);
+}
+
+.command-palette-item.active {
+    background-color: var(--primary-lighter);
+    color: var(--color-primary);
+}
+
+
+.command-palette-item-icon {
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    color: var(--text-secondary);
+}
+
+.command-palette-item.active .command-palette-item-icon {
+    color: var(--color-primary);
+}
+
+.command-palette-item-content {
+    flex: 1;
+    min-width: 0;
+}
+
+.command-palette-item-title {
+    font-weight: var(--font-medium);
+    font-size: var(--text-sm);
+    display: block;
+    white-space: nowrap;
+    overflow: hidden;
+    text-overflow: ellipsis;
+}
+
+.command-palette-item-subtitle {
+    font-size: var(--text-xs);
+    color: var(--text-muted);
+    display: block;
+    white-space: nowrap;
+    overflow: hidden;
+    text-overflow: ellipsis;
+}
+
+.command-palette-item-action {
+    font-size: var(--text-xs);
+    color: var(--text-muted);
+    background: var(--bg-secondary);
+    padding: 2px 6px;
+    border-radius: 4px;
+}
+
+.command-palette-footer {
+    padding: var(--space-2) var(--space-4);
+    background: rgba(0, 0, 0, 0.02);
+    border-top: 1px solid var(--glass-border);
+    display: flex;
+    justify-content: flex-end;
+    gap: var(--space-4);
+    font-size: var(--text-xs);
+    color: var(--text-muted);
+}
+
+.command-palette-key {
+    background: var(--bg-card);
+    border: 1px solid var(--border-color);
+    border-radius: 3px;
+    padding: 0 4px;
+    font-family: var(--font-mono);
+    box-shadow: 0 1px 0 var(--border-color);
+}
+
+@keyframes fadeIn {
+    to {
+        opacity: 1;
+    }
+}
+
+@keyframes slideIn {
+    to {
+        transform: translateY(0) scale(1);
+    }
+}
+
+/* Empty state */
+.command-palette-empty {
+    padding: var(--space-8);
+    text-align: center;
+    color: var(--text-muted);
+    font-size: var(--text-sm);
+}

src/components/common/CommandPalette/CommandPalette.tsx

@@ -0,0 +1,278 @@
+/**
+ * CommandPalette Component
+ * Global search and command execution using Ctrl+K
+ */
+
+import React, { useState, useEffect, useRef } from 'react';
+import { useNavigate } from 'react-router-dom';
+import { useTheme } from '../../../hooks';
+import { Icon } from '@iconify/react';
+import { useKey } from 'react-use';
+import { getTransactions } from '../../../services/transactionService';
+import type { Transaction } from '../../../types';
+import { formatCurrency } from '../../../utils/format';
+import './CommandPalette.css';
+
+interface CommandItem {
+    id: string;
+    title: string;
+    subtitle?: string;
+    icon: string;
+    group: 'navigation' | 'actions' | 'transactions';
+    action: () => void;
+}
+
+export const CommandPalette: React.FC = () => {
+    const [isOpen, setIsOpen] = useState(false);
+    const [query, setQuery] = useState('');
+    const [activeIndex, setActiveIndex] = useState(0);
+    const [transactionResults, setTransactionResults] = useState<Transaction[]>([]);
+    const inputRef = useRef<HTMLInputElement>(null);
+    const resultsRef = useRef<HTMLDivElement>(null);
+
+    const navigate = useNavigate();
+    const { toggleTheme, isDark } = useTheme();
+
+    // Toggle open with Ctrl+K or Cmd+K
+    useEffect(() => {
+        const handleKeyDown = (e: KeyboardEvent) => {
+            if ((e.ctrlKey || e.metaKey) && e.key === 'k') {
+                e.preventDefault();
+                setIsOpen((prev) => !prev);
+            }
+            if (e.key === 'Escape' && isOpen) {
+                setIsOpen(false);
+            }
+        };
+
+        window.addEventListener('keydown', handleKeyDown);
+        return () => window.removeEventListener('keydown', handleKeyDown);
+    }, [isOpen]);
+
+    // Focus input when opened
+    useEffect(() => {
+        if (isOpen) {
+            setQuery('');
+            setTransactionResults([]);
+            setActiveIndex(0);
+            // Small timeout to ensure render
+            setTimeout(() => inputRef.current?.focus(), 50);
+        }
+    }, [isOpen]);
+
+    // Static items
+    const staticItems: CommandItem[] = [
+        {
+            id: 'nav-home',
+            title: '首页',
+            subtitle: 'Dashboard & Briefing',
+            icon: 'solar:home-smile-bold-duotone',
+            group: 'navigation',
+            action: () => navigate('/'),
+        },
+        {
+            id: 'nav-transactions',
+            title: '交易明细',
+            subtitle: 'View all transactions',
+            icon: 'solar:bill-list-bold-duotone',
+            group: 'navigation',
+            action: () => navigate('/transactions'),
+        },
+        {
+            id: 'nav-budget',
+            title: '预算 & 存钱罐',
+            subtitle: 'Manage budgets',
+            icon: 'solar:pie-chart-2-bold-duotone',
+            group: 'navigation',
+            action: () => navigate('/budget'),
+        },
+        {
+            id: 'nav-reports',
+            title: '报表分析',
+            subtitle: 'Financial insights',
+            icon: 'solar:chart-square-bold-duotone',
+            group: 'navigation',
+            action: () => navigate('/reports'),
+        },
+        {
+            id: 'nav-settings',
+            title: '设置',
+            subtitle: 'App preferences',
+            icon: 'solar:settings-bold-duotone',
+            group: 'navigation',
+            action: () => navigate('/settings'),
+        },
+        {
+            id: 'act-theme',
+            title: isDark ? '切换到亮色模式' : '切换到暗色模式',
+            subtitle: 'Toggle global theme',
+            icon: isDark ? 'solar:sun-bold-duotone' : 'solar:moon-bold-duotone',
+            group: 'actions',
+            action: toggleTheme,
+        },
+        {
+            id: 'act-create',
+            title: '记一笔',
+            subtitle: 'Create new transaction',
+            icon: 'solar:add-circle-bold-duotone',
+            group: 'actions',
+            action: () => navigate('/transactions'), // Ideally trigger modal
+        },
+    ];
+
+    // Fetch transactions on query change
+    useEffect(() => {
+        if (!query || query.length < 2) {
+            setTransactionResults([]);
+            return;
+        }
+
+        const timer = setTimeout(async () => {
+            try {
+                const res = await getTransactions({ search: query, pageSize: 5 });
+                setTransactionResults(res.items);
+            } catch (err) {
+                console.error('Search transactions failed', err);
+            }
+        }, 300);
+
+        return () => clearTimeout(timer);
+    }, [query]);
+
+    // Combined items
+    const filteredStatic = staticItems.filter((item) =>
+        item.title.toLowerCase().includes(query.toLowerCase()) ||
+        item.subtitle?.toLowerCase().includes(query.toLowerCase())
+    );
+
+    const transactionItems: CommandItem[] = transactionResults.map((t) => ({
+        id: `tx-${t.id}`,
+        title: t.note || '无备注交易',
+        subtitle: `${formatCurrency(t.amount, t.currency)} • ${t.transactionDate.split('T')[0]}`,
+        icon: t.type === 'expense' ? 'solar:minus-circle-bold-duotone' : 'solar:add-circle-bold-duotone',
+        group: 'transactions',
+        action: () => navigate('/transactions'), // Ideally scroll to transaction?
+    }));
+
+    const allItems = [...filteredStatic, ...transactionItems];
+
+    // Key navigation
+    useKey(
+        (e) => isOpen && (e.key === 'ArrowDown' || e.key === 'ArrowUp' || e.key === 'Enter'),
+        (e) => {
+            if (allItems.length === 0) return;
+
+            if (e.key === 'ArrowDown') {
+                e.preventDefault();
+                setActiveIndex((prev) => (prev + 1) % allItems.length);
+            } else if (e.key === 'ArrowUp') {
+                e.preventDefault();
+                setActiveIndex((prev) => (prev - 1 + allItems.length) % allItems.length);
+            } else if (e.key === 'Enter') {
+                e.preventDefault();
+                const item = allItems[activeIndex];
+                if (item) {
+                    item.action();
+                    setIsOpen(false);
+                }
+            }
+        },
+        { event: 'keydown' },
+        [isOpen, allItems, activeIndex]
+    );
+
+    // Keep active item in view
+    useEffect(() => {
+        if (resultsRef.current) {
+            const activeEl = resultsRef.current.querySelector('.active');
+            if (activeEl) {
+                activeEl.scrollIntoView({ block: 'nearest' });
+            }
+        }
+    }, [activeIndex]);
+
+
+    if (!isOpen) return null;
+
+    return (
+        <div className="command-palette-overlay" onClick={() => setIsOpen(false)}>
+            <div
+                className="command-palette-modal"
+                onClick={(e) => e.stopPropagation()}
+            >
+                <div className="command-palette-header">
+                    <Icon icon="solar:magnifer-bold-duotone" width="24" className="command-palette-search-icon" />
+                    <input
+                        ref={inputRef}
+                        type="text"
+                        className="command-palette-input"
+                        placeholder="Search commands or transactions..."
+                        value={query}
+                        onChange={(e) => {
+                            setQuery(e.target.value);
+                            setActiveIndex(0);
+                        }}
+                    />
+                    <div className="command-palette-key">ESC</div>
+                </div>
+
+                <div className="command-palette-results" ref={resultsRef}>
+                    {allItems.length === 0 ? (
+                        <div className="command-palette-empty">No results found</div>
+                    ) : (
+                        <>
+                            {Object.entries(
+                                allItems.reduce((acc, item) => {
+                                    acc[item.group] = [...(acc[item.group] || []), item];
+                                    return acc;
+                                }, {} as Record<string, CommandItem[]>)
+                            ).map(([group, items]) => (
+                                <div key={group}>
+                                    <div className="command-palette-group-title">{group}</div>
+                                    {items.map((item) => {
+                                        const index = allItems.indexOf(item);
+                                        return (
+                                            <div
+                                                key={item.id}
+                                                className={`command-palette-item ${index === activeIndex ? 'active' : ''}`}
+                                                onClick={() => {
+                                                    item.action();
+                                                    setIsOpen(false);
+                                                }}
+                                                onMouseEnter={() => setActiveIndex(index)}
+                                            >
+                                                <div className="command-palette-item-icon">
+                                                    <Icon icon={item.icon} width="20" />
+                                                </div>
+                                                <div className="command-palette-item-content">
+                                                    <span className="command-palette-item-title">{item.title}</span>
+                                                    <span className="command-palette-item-subtitle">{item.subtitle}</span>
+                                                </div>
+                                                {index === activeIndex && (
+                                                    <div className="command-palette-item-action">
+                                                        <span className="command-palette-key">Enter</span>
+                                                    </div>
+                                                )}
+                                            </div>
+                                        );
+                                    })}
+                                </div>
+                            ))}
+                        </>
+                    )}
+                </div>
+
+                <div className="command-palette-footer">
+                    <span>Search transactions with 2+ characters</span>
+                    <div style={{ display: 'flex', gap: '8px', alignItems: 'center' }}>
+                        <span className="command-palette-key">↑</span>
+                        <span className="command-palette-key">↓</span>
+                        <span>to navigate</span>
+                        <span className="command-palette-key">↵</span>
+                        <span>to select</span>
+                    </div>
+                </div>
+            </div>
+        </div>
+    );
+};

src/components/common/CommandPalette/index.ts

@@ -0,0 +1 @@
+export { CommandPalette } from './CommandPalette';

src/components/common/Layout/Layout.tsx

@@ -3,6 +3,7 @@ import { Outlet, useNavigate } from 'react-router-dom';
 import { useTheme } from '../../../hooks';
 import { Icon } from '@iconify/react';
 import Navigation from '../Navigation';
+import { CommandPalette } from '../CommandPalette';
 import authService from '../../../services/authService';
 import type { User } from '../../../services/authService';
 import './Layout.css';
@@ -74,6 +75,7 @@ function Layout() {
           <Outlet />
         </main>
       </div>
+      <CommandPalette />
     </div>
   );
 }

src/components/home/HealthScoreModal/HealthScoreModal.css

@@ -0,0 +1,256 @@
+/**
+ * HealthScoreModal Styles
+ */
+
+.health-modal-overlay {
+    position: fixed;
+    top: 0;
+    left: 0;
+    right: 0;
+    bottom: 0;
+    background-color: rgba(0, 0, 0, 0.6);
+    backdrop-filter: blur(8px);
+    -webkit-backdrop-filter: blur(8px);
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    z-index: 1000;
+    padding: 1rem;
+    opacity: 0;
+    animation: fadeIn 0.3s forwards;
+}
+
+@keyframes fadeIn {
+    to {
+        opacity: 1;
+    }
+}
+
+.health-modal-content {
+    background: var(--glass-panel-bg);
+    backdrop-filter: blur(20px);
+    -webkit-backdrop-filter: blur(20px);
+    width: 100%;
+    max-width: 400px;
+    border-radius: 32px;
+    padding: 2.5rem 2rem 2rem;
+    position: relative;
+    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.2);
+    border: 1px solid var(--glass-border);
+    transform: scale(0.9) translateY(20px);
+    opacity: 0;
+    transition: all 0.5s cubic-bezier(0.19, 1, 0.22, 1);
+}
+
+.health-modal-content.animate-in {
+    transform: scale(1) translateY(0);
+    opacity: 1;
+}
+
+.health-modal-close {
+    position: absolute;
+    top: 1.25rem;
+    right: 1.25rem;
+    background: transparent;
+    border: none;
+    color: var(--text-tertiary);
+    cursor: pointer;
+    padding: 0.25rem;
+    transition: all 0.2s ease;
+    border-radius: 50%;
+}
+
+.health-modal-close:hover {
+    color: var(--text-primary);
+    background: rgba(0, 0, 0, 0.05);
+}
+
+.health-modal-header {
+    display: flex;
+    flex-direction: column;
+    align-items: center;
+    margin-bottom: 2rem;
+}
+
+.health-score-ring-large {
+    position: relative;
+    width: 160px;
+    height: 160px;
+    margin-bottom: 1.5rem;
+}
+
+.health-ring-progress {
+    transition: stroke-dasharray 2s cubic-bezier(0.19, 1, 0.22, 1);
+    transform-origin: center;
+}
+
+.health-score-value-container {
+    position: absolute;
+    top: 50%;
+    left: 50%;
+    transform: translate(-50%, -50%);
+    display: flex;
+    flex-direction: column;
+    align-items: center;
+}
+
+.health-score-value {
+    font-size: 3.5rem;
+    font-weight: 800;
+    font-family: 'Outfit', sans-serif;
+    line-height: 1;
+    text-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
+}
+
+.health-score-label {
+    font-size: 0.875rem;
+    color: var(--text-secondary);
+    font-weight: 600;
+    margin-top: 4px;
+    letter-spacing: 0.05em;
+}
+
+.health-level-badge {
+    display: flex;
+    align-items: center;
+    gap: 6px;
+    padding: 8px 16px;
+    border-radius: 20px;
+    font-size: 0.95rem;
+    font-weight: 700;
+}
+
+.health-metrics-grid {
+    display: grid;
+    grid-template-columns: 1fr 1fr;
+    gap: 1rem;
+    margin-bottom: 2rem;
+}
+
+.health-metric-card {
+    background: rgba(255, 255, 255, 0.5);
+    border-radius: 20px;
+    padding: 1rem;
+    display: flex;
+    flex-direction: column;
+    gap: 0.75rem;
+    border: 1px solid rgba(0, 0, 0, 0.05);
+}
+
+.metric-icon {
+    width: 36px;
+    height: 36px;
+    border-radius: 10px;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    margin-bottom: 0.25rem;
+}
+
+.metric-icon.debt {
+    background: rgba(239, 68, 68, 0.1);
+    color: var(--color-error);
+}
+
+.metric-icon.spend {
+    background: rgba(245, 158, 11, 0.1);
+    color: var(--color-warning);
+}
+
+.metric-info {
+    display: flex;
+    flex-direction: column;
+}
+
+.metric-label {
+    font-size: 0.8rem;
+    color: var(--text-secondary);
+    font-weight: 500;
+    margin-bottom: 0.25rem;
+}
+
+.metric-value-row {
+    display: flex;
+    align-items: baseline;
+    justify-content: space-between;
+}
+
+.metric-value {
+    font-size: 1.125rem;
+    font-weight: 700;
+    color: var(--text-primary);
+    font-family: 'Outfit', sans-serif;
+}
+
+.metric-status {
+    font-size: 0.75rem;
+    font-weight: 600;
+}
+
+.metric-trend {
+    font-size: 0.7rem;
+    margin-top: 4px;
+}
+
+.metric-trend.up {
+    color: var(--color-error);
+    /* Higher spend is usually bad */
+}
+
+.metric-trend.down {
+    color: var(--color-success);
+    /* Lower spend is usually good */
+}
+
+.health-suggestion-box {
+    background: linear-gradient(135deg, rgba(59, 130, 246, 0.1), rgba(37, 99, 235, 0.05));
+    border-radius: 20px;
+    padding: 1.25rem;
+    margin-bottom: 2rem;
+    border: 1px solid rgba(59, 130, 246, 0.1);
+}
+
+.suggestion-title {
+    display: flex;
+    align-items: center;
+    gap: 8px;
+    font-size: 0.95rem;
+    font-weight: 700;
+    color: var(--text-primary);
+    margin-top: 0;
+    margin-bottom: 0.5rem;
+}
+
+.suggestion-text {
+    font-size: 0.9rem;
+    color: var(--text-secondary);
+    line-height: 1.6;
+    margin: 0;
+}
+
+.health-actions {
+    display: flex;
+    justify-content: center;
+}
+
+.health-action-btn {
+    width: 100%;
+    padding: 1rem;
+    border-radius: 16px;
+    font-weight: 600;
+    font-size: 1rem;
+    border: none;
+    cursor: pointer;
+    transition: all 0.2s;
+}
+
+.health-action-btn.primary {
+    background: var(--text-primary);
+    color: var(--bg-primary);
+    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
+}
+
+.health-action-btn.primary:hover {
+    transform: translateY(-2px);
+    box-shadow: 0 8px 16px rgba(0, 0, 0, 0.15);
+}

src/components/home/HealthScoreModal/HealthScoreModal.tsx

@@ -0,0 +1,162 @@
+/**
+ * HealthScoreModal Component
+ * Displays detailed financial health analysis
+ * Phase 3 Requirement: Emotional interface & Smart feedback
+ */
+
+import React, { useEffect, useState } from 'react';
+import { Icon } from '@iconify/react';
+import { formatCurrency } from '../../../utils/format';
+import './HealthScoreModal.css';
+
+interface HealthScoreModalProps {
+    isOpen: boolean;
+    onClose: () => void;
+    score: number;
+    totalAssets: number;
+    totalLiabilities: number;
+    todaySpend: number;
+    yesterdaySpend: number;
+}
+
+export const HealthScoreModal: React.FC<HealthScoreModalProps> = ({
+    isOpen,
+    onClose,
+    score,
+    totalAssets,
+    totalLiabilities,
+    todaySpend,
+    yesterdaySpend,
+}) => {
+    const [animate, setAnimate] = useState(false);
+
+    useEffect(() => {
+        if (isOpen) {
+            setTimeout(() => setAnimate(true), 100);
+        } else {
+            setAnimate(false);
+        }
+    }, [isOpen]);
+
+    if (!isOpen) return null;
+
+    // Analysis Logic
+    const debtRatio = totalAssets > 0 ? (totalLiabilities / totalAssets) * 100 : 0;
+    let debtLevel = '优秀';
+    let debtColor = 'var(--color-success)';
+    if (debtRatio > 30) {
+        debtLevel = '一般';
+        debtColor = 'var(--color-warning)';
+    }
+    if (debtRatio > 60) {
+        debtLevel = '危险';
+        debtColor = 'var(--color-error)';
+    }
+
+    const spendDiff = todaySpend - yesterdaySpend;
+    const spendTrend = spendDiff > 0 ? 'up' : 'down';
+
+    const getLevel = (s: number) => {
+        if (s >= 90) return { label: '卓越', color: '#10b981', icon: 'solar:cup-star-bold-duotone' };
+        if (s >= 80) return { label: '优秀', color: '#3b82f6', icon: 'solar:medal-star-bold-duotone' };
+        if (s >= 60) return { label: '良好', color: '#f59e0b', icon: 'solar:check-circle-bold-duotone' };
+        return { label: '需努力', color: '#ef4444', icon: 'solar:danger-circle-bold-duotone' };
+    };
+
+    const level = getLevel(score);
+
+    return (
+        <div className="health-modal-overlay" onClick={onClose}>
+            <div
+                className={`health-modal-content ${animate ? 'animate-in' : ''}`}
+                onClick={(e) => e.stopPropagation()}
+            >
+                <button className="health-modal-close" onClick={onClose}>
+                    <Icon icon="solar:close-circle-bold-duotone" width="24" />
+                </button>
+
+                <div className="health-modal-header">
+                    <div className="health-score-ring-large">
+                        <svg viewBox="0 0 100 100">
+                            <circle
+                                cx="50" cy="50" r="45"
+                                fill="none"
+                                stroke="var(--bg-tertiary)"
+                                strokeWidth="8"
+                            />
+                            <circle
+                                cx="50" cy="50" r="45"
+                                fill="none"
+                                stroke={level.color}
+                                strokeWidth="8"
+                                strokeLinecap="round"
+                                strokeDasharray={`${283 * (score / 100)} 283`}
+                                transform="rotate(-90 50 50)"
+                                className="health-ring-progress"
+                            />
+                        </svg>
+                        <div className="health-score-value-container">
+                            <span className="health-score-value" style={{ color: level.color }}>{score}</span>
+                            <span className="health-score-label">健康分</span>
+                        </div>
+                    </div>
+
+                    <div className="health-level-badge" style={{ backgroundColor: `${level.color}20`, color: level.color }}>
+                        <Icon icon={level.icon} width="20" />
+                        <span>{level.label}状态</span>
+                    </div>
+                </div>
+
+                <div className="health-metrics-grid">
+                    <div className="health-metric-card">
+                        <div className="metric-icon debt">
+                            <Icon icon="solar:card-2-bold-duotone" width="24" />
+                        </div>
+                        <div className="metric-info">
+                            <span className="metric-label">负债率</span>
+                            <div className="metric-value-row">
+                                <span className="metric-value">{debtRatio.toFixed(1)}%</span>
+                                <span className="metric-status" style={{ color: debtColor }}>{debtLevel}</span>
+                            </div>
+                        </div>
+                    </div>
+
+                    <div className="health-metric-card">
+                        <div className="metric-icon spend">
+                            <Icon icon="solar:wallet-money-bold-duotone" width="24" />
+                        </div>
+                        <div className="metric-info">
+                            <span className="metric-label">今日消费</span>
+                            <div className="metric-value-row">
+                                <span className="metric-value">{formatCurrency(todaySpend)}</span>
+                            </div>
+                            <span className={`metric-trend ${spendTrend}`}>
+                                {spendTrend === 'up' ? '比昨天多' : '比昨天少'} {formatCurrency(Math.abs(spendDiff))}
+                            </span>
+                        </div>
+                    </div>
+                </div>
+
+                <div className="health-suggestion-box">
+                    <h4 className="suggestion-title">
+                        <Icon icon="solar:lightbulb-bolt-bold-duotone" width="20" className="text-primary" />
+                        智能建议
+                    </h4>
+                    <p className="suggestion-text">
+                        {score >= 80
+                            ? '您的财务状况非常健康！建议继续保持低负债率，并考虑适当增加投资比例以抵抗通胀。'
+                            : score >= 60
+                                ? '财务状况良好，但还有提升空间。试着控制非必要支出，提高每月的储蓄比例。'
+                                : '请注意控制支出！建议优先偿还高息债务，并审视近期的消费习惯。'}
+                    </p>
+                </div>
+
+                <div className="health-actions">
+                    <button className="health-action-btn primary" onClick={onClose}>
+                        明白了
+                    </button>
+                </div>
+            </div>
+        </div>
+    );
+};

src/pages/Budget/Budget.tsx

@@ -1,4 +1,5 @@
 import { useState, useEffect } from 'react';
+import { Confetti } from '../../components/common/Confetti';
 import {
   BudgetCard,
   BudgetForm,
@@ -51,6 +52,8 @@ function Budget() {
     type: 'deposit' | 'withdraw';
   } | null>(null);
 
+  const [showConfetti, setShowConfetti] = useState(false);
+
   // Load budgets, categories, and accounts
   useEffect(() => {
     loadData();
@@ -262,6 +265,12 @@ function Budget() {
         ...updated,
         progress: updated.progress ?? 0,
       } : pb)));
+
+      // Trigger celebration if goal reached or exceeded on deposit
+      if (type === 'deposit' && piggyBank.currentAmount < piggyBank.targetAmount && updated.currentAmount >= updated.targetAmount) {
+        setShowConfetti(true);
+      }
+
       setTransactionModal(null);
     } catch (err) {
       console.error('Failed to process transaction:', err);
@@ -398,6 +407,11 @@ function Budget() {
           isLoading={isSubmitting}
         />
       )}
+
+      <Confetti
+        active={showConfetti}
+        onComplete={() => setShowConfetti(false)}
+      />
     </div>
   );
 }

src/pages/Home/Home.tsx

@@ -2,7 +2,7 @@ import { useEffect, useState } from 'react';
 import { useNavigate } from 'react-router-dom';
 import './Home.css';
 import { getAccounts, calculateTotalAssets, calculateTotalLiabilities } from '../../services/accountService';
-import { getTransactions } from '../../services/transactionService';
+import { getTransactions, calculateTotalExpense } from '../../services/transactionService';
 import { getCategories } from '../../services/categoryService';
 import { getLedgers, reorderLedgers } from '../../services/ledgerService';
 import { getSettings, updateSettings } from '../../services/settingsService';
@@ -15,6 +15,7 @@ import { CreateFirstAccountModal } from '../../components/account/CreateFirstAcc
 import { AccountForm } from '../../components/account/AccountForm/AccountForm';
 import { createAccount } from '../../services/accountService';
 import { Confetti } from '../../components/common/Confetti';
+import { HealthScoreModal } from '../../components/home/HealthScoreModal/HealthScoreModal';
 import type { Account, Transaction, Category, Ledger, UserSettings } from '../../types';
 
 
@@ -38,6 +39,9 @@ function Home() {
   const [voiceModalOpen, setVoiceModalOpen] = useState(false);
   const [showAccountForm, setShowAccountForm] = useState(false);
   const [showConfetti, setShowConfetti] = useState(false);
+  const [showHealthModal, setShowHealthModal] = useState(false);
+  const [todaySpend, setTodaySpend] = useState(0);
+  const [yesterdaySpend, setYesterdaySpend] = useState(0);
   const [loading, setLoading] = useState(true);
   const [error, setError] = useState<string | null>(null);
 
@@ -51,13 +55,23 @@ function Home() {
       setLoading(true);
       setError(null);
 
-      // Load accounts, recent transactions, categories, ledgers, and settings in parallel
+      // Calculate dates for today and yesterday
-      const [accountsData, transactionsData, categoriesData, ledgersData, settingsData] = await Promise.all([
+      const today = new Date();
+      const yesterday = new Date(today);
+      yesterday.setDate(yesterday.getDate() - 1);
+
+      const todayStr = today.toISOString().split('T')[0];
+      const yesterdayStr = yesterday.toISOString().split('T')[0];
+
+      // Load accounts, recent transactions, today/yesterday stats
+      const [accountsData, transactionsData, categoriesData, ledgersData, settingsData, todayData, yesterdayData] = await Promise.all([
         getAccounts(),
-        getTransactions({ page: 1, pageSize: 5 }), // Get 5 most recent transactions
+        getTransactions({ page: 1, pageSize: 5 }), // Recent transactions
         getCategories(),
-        getLedgers().catch(() => []), // Gracefully handle if ledgers not available
+        getLedgers().catch(() => []),
-        getSettings().catch(() => null), // Gracefully handle if settings not available
+        getSettings().catch(() => null),
+        getTransactions({ startDate: todayStr, endDate: todayStr, type: 'expense', pageSize: 100 }),
+        getTransactions({ startDate: yesterdayStr, endDate: yesterdayStr, type: 'expense', pageSize: 100 }),
       ]);
 
       setAccounts(accountsData || []);
@@ -65,6 +79,10 @@ function Home() {
       setCategories(categoriesData || []);
       setLedgers(ledgersData || []);
       setSettings(settingsData);
+
+      // Calculate daily spends
+      setTodaySpend(calculateTotalExpense(todayData.items));
+      setYesterdaySpend(calculateTotalExpense(yesterdayData.items));
     } catch (err) {
       setError(err instanceof Error ? err.message : '加载数据失败');
       console.error('Failed to load home page data:', err);
@@ -176,17 +194,6 @@ function Home() {
   // Phase 3: Daily Briefing Logic
   const getDailyBriefing = () => {
     const hour = new Date().getHours();
-    const todaySpend = recentTransactions
-      .filter(t => {
-        const tDate = new Date(t.transactionDate);
-        const today = new Date();
-        return tDate.getDate() === today.getDate() &&
-          tDate.getMonth() === today.getMonth() &&
-          tDate.getFullYear() === today.getFullYear() &&
-          t.type === 'expense';
-      })
-      .reduce((sum, t) => sum + Math.abs(t.amount), 0);
-
     let greeting = '你好';
     if (hour < 5) greeting = '夜深了';
     else if (hour < 11) greeting = '早上好';
@@ -196,8 +203,25 @@ function Home() {
 
     let insight = '今天还没有记账哦';
     if (todaySpend > 0) {
+      if (yesterdaySpend > 0) {
+        const diff = todaySpend - yesterdaySpend;
+        const diffPercent = Math.abs((diff / yesterdaySpend) * 100);
+
+        if (Math.abs(diff) < 5) {
+          insight = `今日支出 ${formatCurrency(todaySpend)}，与昨天持平`;
+        } else if (diff < 0) {
+          insight = `今日支出 ${formatCurrency(todaySpend)}，比昨天节省了 ${diffPercent.toFixed(0)}%`;
+        } else {
+          insight = `今日支出 ${formatCurrency(todaySpend)}，比昨天多 ${diffPercent.toFixed(0)}%`;
+        }
+      } else {
         insight = `今天已支出 ${formatCurrency(todaySpend)}`;
       }
+    } else {
+      if (yesterdaySpend > 0) {
+        insight = '新的一天，保持理智消费';
+      }
+    }
 
     return { greeting, insight };
   };
@@ -282,7 +306,7 @@ function Home() {
           </p>
         </div>
         <div className="header-actions animate-slide-up delay-200">
-          <button className="health-score-btn" onClick={() => setShowConfetti(true)}>
+          <button className="health-score-btn" onClick={() => setShowHealthModal(true)}>
             <div className="health-ring" style={{ '--score': `${healthScore}%`, '--color': 'var(--accent-success)' } as any}>
               <svg viewBox="0 0 36 36">
                 <path className="ring-bg" d="M18 2.0845 a 15.9155 15.9155 0 0 1 0 31.831 a 15.9155 15.9155 0 0 1 0 -31.831" />
@@ -479,6 +503,16 @@ function Home() {
       )}
 
       <Confetti active={showConfetti} recycle={false} onComplete={() => setShowConfetti(false)} />
+
+      <HealthScoreModal
+        isOpen={showHealthModal}
+        onClose={() => setShowHealthModal(false)}
+        score={healthScore}
+        totalAssets={totalAssets}
+        totalLiabilities={totalLiabilities}
+        todaySpend={todaySpend}
+        yesterdaySpend={yesterdaySpend}
+      />
     </div>
 
   );