diff --git a/package-lock.json b/package-lock.json
index 36f879b..7095622 100644
--- a/package-lock.json
+++ b/package-lock.json
@@ -30,7 +30,7 @@
         "@radix-ui/react-navigation-menu": "^1.2.0",
         "@radix-ui/react-popover": "^1.1.1",
         "@radix-ui/react-progress": "^1.1.0",
-        "@radix-ui/react-radio-group": "^1.2.0",
+        "@radix-ui/react-radio-group": "^1.2.3",
         "@radix-ui/react-scroll-area": "^1.1.0",
         "@radix-ui/react-select": "^2.1.1",
         "@radix-ui/react-separator": "^1.1.0",
@@ -2058,18 +2058,18 @@
       }
     },
     "node_modules/@radix-ui/react-radio-group": {
-      "version": "1.2.1",
-      "resolved": "https://registry.npmjs.org/@radix-ui/react-radio-group/-/react-radio-group-1.2.1.tgz",
-      "integrity": "sha512-kdbv54g4vfRjja9DNWPMxKvXblzqbpEC8kspEkZ6dVP7kQksGCn+iZHkcCz2nb00+lPdRvxrqy4WrvvV1cNqrQ==",
+      "version": "1.2.3",
+      "resolved": "https://registry.npmjs.org/@radix-ui/react-radio-group/-/react-radio-group-1.2.3.tgz",
+      "integrity": "sha512-xtCsqt8Rp09FK50ItqEqTJ7Sxanz8EM8dnkVIhJrc/wkMMomSmXHvYbhv3E7Zx4oXh98aaLt9W679SUYXg4IDA==",
       "license": "MIT",
       "dependencies": {
-        "@radix-ui/primitive": "1.1.0",
-        "@radix-ui/react-compose-refs": "1.1.0",
+        "@radix-ui/primitive": "1.1.1",
+        "@radix-ui/react-compose-refs": "1.1.1",
         "@radix-ui/react-context": "1.1.1",
         "@radix-ui/react-direction": "1.1.0",
-        "@radix-ui/react-presence": "1.1.1",
-        "@radix-ui/react-primitive": "2.0.0",
-        "@radix-ui/react-roving-focus": "1.1.0",
+        "@radix-ui/react-presence": "1.1.2",
+        "@radix-ui/react-primitive": "2.0.2",
+        "@radix-ui/react-roving-focus": "1.1.2",
         "@radix-ui/react-use-controllable-state": "1.1.0",
         "@radix-ui/react-use-previous": "1.1.0",
         "@radix-ui/react-use-size": "1.1.0"
@@ -2089,6 +2089,149 @@
         }
       }
     },
+    "node_modules/@radix-ui/react-radio-group/node_modules/@radix-ui/primitive": {
+      "version": "1.1.1",
+      "resolved": "https://registry.npmjs.org/@radix-ui/primitive/-/primitive-1.1.1.tgz",
+      "integrity": "sha512-SJ31y+Q/zAyShtXJc8x83i9TYdbAfHZ++tUZnvjJJqFjzsdUnKsxPL6IEtBlxKkU7yzer//GQtZSV4GbldL3YA==",
+      "license": "MIT"
+    },
+    "node_modules/@radix-ui/react-radio-group/node_modules/@radix-ui/react-collection": {
+      "version": "1.1.2",
+      "resolved": "https://registry.npmjs.org/@radix-ui/react-collection/-/react-collection-1.1.2.tgz",
+      "integrity": "sha512-9z54IEKRxIa9VityapoEYMuByaG42iSy1ZXlY2KcuLSEtq8x4987/N6m15ppoMffgZX72gER2uHe1D9Y6Unlcw==",
+      "license": "MIT",
+      "dependencies": {
+        "@radix-ui/react-compose-refs": "1.1.1",
+        "@radix-ui/react-context": "1.1.1",
+        "@radix-ui/react-primitive": "2.0.2",
+        "@radix-ui/react-slot": "1.1.2"
+      },
+      "peerDependencies": {
+        "@types/react": "*",
+        "@types/react-dom": "*",
+        "react": "^16.8 || ^17.0 || ^18.0 || ^19.0 || ^19.0.0-rc",
+        "react-dom": "^16.8 || ^17.0 || ^18.0 || ^19.0 || ^19.0.0-rc"
+      },
+      "peerDependenciesMeta": {
+        "@types/react": {
+          "optional": true
+        },
+        "@types/react-dom": {
+          "optional": true
+        }
+      }
+    },
+    "node_modules/@radix-ui/react-radio-group/node_modules/@radix-ui/react-compose-refs": {
+      "version": "1.1.1",
+      "resolved": "https://registry.npmjs.org/@radix-ui/react-compose-refs/-/react-compose-refs-1.1.1.tgz",
+      "integrity": "sha512-Y9VzoRDSJtgFMUCoiZBDVo084VQ5hfpXxVE+NgkdNsjiDBByiImMZKKhxMwCbdHvhlENG6a833CbFkOQvTricw==",
+      "license": "MIT",
+      "peerDependencies": {
+        "@types/react": "*",
+        "react": "^16.8 || ^17.0 || ^18.0 || ^19.0 || ^19.0.0-rc"
+      },
+      "peerDependenciesMeta": {
+        "@types/react": {
+          "optional": true
+        }
+      }
+    },
+    "node_modules/@radix-ui/react-radio-group/node_modules/@radix-ui/react-presence": {
+      "version": "1.1.2",
+      "resolved": "https://registry.npmjs.org/@radix-ui/react-presence/-/react-presence-1.1.2.tgz",
+      "integrity": "sha512-18TFr80t5EVgL9x1SwF/YGtfG+l0BS0PRAlCWBDoBEiDQjeKgnNZRVJp/oVBl24sr3Gbfwc/Qpj4OcWTQMsAEg==",
+      "license": "MIT",
+      "dependencies": {
+        "@radix-ui/react-compose-refs": "1.1.1",
+        "@radix-ui/react-use-layout-effect": "1.1.0"
+      },
+      "peerDependencies": {
+        "@types/react": "*",
+        "@types/react-dom": "*",
+        "react": "^16.8 || ^17.0 || ^18.0 || ^19.0 || ^19.0.0-rc",
+        "react-dom": "^16.8 || ^17.0 || ^18.0 || ^19.0 || ^19.0.0-rc"
+      },
+      "peerDependenciesMeta": {
+        "@types/react": {
+          "optional": true
+        },
+        "@types/react-dom": {
+          "optional": true
+        }
+      }
+    },
+    "node_modules/@radix-ui/react-radio-group/node_modules/@radix-ui/react-primitive": {
+      "version": "2.0.2",
+      "resolved": "https://registry.npmjs.org/@radix-ui/react-primitive/-/react-primitive-2.0.2.tgz",
+      "integrity": "sha512-Ec/0d38EIuvDF+GZjcMU/Ze6MxntVJYO/fRlCPhCaVUyPY9WTalHJw54tp9sXeJo3tlShWpy41vQRgLRGOuz+w==",
+      "license": "MIT",
+      "dependencies": {
+        "@radix-ui/react-slot": "1.1.2"
+      },
+      "peerDependencies": {
+        "@types/react": "*",
+        "@types/react-dom": "*",
+        "react": "^16.8 || ^17.0 || ^18.0 || ^19.0 || ^19.0.0-rc",
+        "react-dom": "^16.8 || ^17.0 || ^18.0 || ^19.0 || ^19.0.0-rc"
+      },
+      "peerDependenciesMeta": {
+        "@types/react": {
+          "optional": true
+        },
+        "@types/react-dom": {
+          "optional": true
+        }
+      }
+    },
+    "node_modules/@radix-ui/react-radio-group/node_modules/@radix-ui/react-roving-focus": {
+      "version": "1.1.2",
+      "resolved": "https://registry.npmjs.org/@radix-ui/react-roving-focus/-/react-roving-focus-1.1.2.tgz",
+      "integrity": "sha512-zgMQWkNO169GtGqRvYrzb0Zf8NhMHS2DuEB/TiEmVnpr5OqPU3i8lfbxaAmC2J/KYuIQxyoQQ6DxepyXp61/xw==",
+      "license": "MIT",
+      "dependencies": {
+        "@radix-ui/primitive": "1.1.1",
+        "@radix-ui/react-collection": "1.1.2",
+        "@radix-ui/react-compose-refs": "1.1.1",
+        "@radix-ui/react-context": "1.1.1",
+        "@radix-ui/react-direction": "1.1.0",
+        "@radix-ui/react-id": "1.1.0",
+        "@radix-ui/react-primitive": "2.0.2",
+        "@radix-ui/react-use-callback-ref": "1.1.0",
+        "@radix-ui/react-use-controllable-state": "1.1.0"
+      },
+      "peerDependencies": {
+        "@types/react": "*",
+        "@types/react-dom": "*",
+        "react": "^16.8 || ^17.0 || ^18.0 || ^19.0 || ^19.0.0-rc",
+        "react-dom": "^16.8 || ^17.0 || ^18.0 || ^19.0 || ^19.0.0-rc"
+      },
+      "peerDependenciesMeta": {
+        "@types/react": {
+          "optional": true
+        },
+        "@types/react-dom": {
+          "optional": true
+        }
+      }
+    },
+    "node_modules/@radix-ui/react-radio-group/node_modules/@radix-ui/react-slot": {
+      "version": "1.1.2",
+      "resolved": "https://registry.npmjs.org/@radix-ui/react-slot/-/react-slot-1.1.2.tgz",
+      "integrity": "sha512-YAKxaiGsSQJ38VzKH86/BPRC4rh+b1Jpa+JneA5LRE7skmLPNAyeG8kPJj/oo4STLvlrs8vkf/iYyc3A5stYCQ==",
+      "license": "MIT",
+      "dependencies": {
+        "@radix-ui/react-compose-refs": "1.1.1"
+      },
+      "peerDependencies": {
+        "@types/react": "*",
+        "react": "^16.8 || ^17.0 || ^18.0 || ^19.0 || ^19.0.0-rc"
+      },
+      "peerDependenciesMeta": {
+        "@types/react": {
+          "optional": true
+        }
+      }
+    },
     "node_modules/@radix-ui/react-roving-focus": {
       "version": "1.1.0",
       "resolved": "https://registry.npmjs.org/@radix-ui/react-roving-focus/-/react-roving-focus-1.1.0.tgz",
diff --git a/package.json b/package.json
index a571fb1..89958cd 100644
--- a/package.json
+++ b/package.json
@@ -33,7 +33,7 @@
     "@radix-ui/react-navigation-menu": "^1.2.0",
     "@radix-ui/react-popover": "^1.1.1",
     "@radix-ui/react-progress": "^1.1.0",
-    "@radix-ui/react-radio-group": "^1.2.0",
+    "@radix-ui/react-radio-group": "^1.2.3",
     "@radix-ui/react-scroll-area": "^1.1.0",
     "@radix-ui/react-select": "^2.1.1",
     "@radix-ui/react-separator": "^1.1.0",
diff --git a/src/components/AddTransactionButton.tsx b/src/components/AddTransactionButton.tsx
index fe2da16..3009986 100644
--- a/src/components/AddTransactionButton.tsx
+++ b/src/components/AddTransactionButton.tsx
@@ -1,3 +1,4 @@
+
 import React, { useState, useEffect } from 'react';
 import { PlusIcon } from 'lucide-react';
 import { Dialog, DialogContent, DialogHeader, DialogTitle } from './ui/dialog';
@@ -53,7 +54,8 @@ const AddTransactionButton = () => {
         amount: parseInt(numericAmount),
         date: formattedDate,
         category: data.category,
-        type: 'expense'
+        type: 'expense',
+        paymentMethod: data.paymentMethod // 추가된 필드
       };
       
       console.log('새 지출 추가:', newExpense);
@@ -75,7 +77,8 @@ const AddTransactionButton = () => {
             date: isoDate, // ISO 형식 사용
             category: data.category,
             type: 'expense',
-            transaction_id: newExpense.id
+            transaction_id: newExpense.id,
+            payment_method: data.paymentMethod // Supabase에 필드 추가
           });
           
           if (error) throw error;
diff --git a/src/components/analytics/PaymentMethodChart.tsx b/src/components/analytics/PaymentMethodChart.tsx
new file mode 100644
index 0000000..d7fdd01
--- /dev/null
+++ b/src/components/analytics/PaymentMethodChart.tsx
@@ -0,0 +1,67 @@
+
+import React from 'react';
+import { PieChart, Pie, Cell, ResponsiveContainer, Legend } from 'recharts';
+
+interface PaymentMethodData {
+  method: string;
+  amount: number;
+  percentage: number;
+}
+
+interface PaymentMethodChartProps {
+  data: PaymentMethodData[];
+  isEmpty: boolean;
+}
+
+const COLORS = ['#9b87f5', '#6E59A5']; // 신용카드, 현금 색상
+
+const PaymentMethodChart: React.FC<PaymentMethodChartProps> = ({ data, isEmpty }) => {
+  if (isEmpty) {
+    return (
+      <div className="neuro-card h-52 w-full flex items-center justify-center text-gray-400">
+        <p>데이터가 없습니다</p>
+      </div>
+    );
+  }
+
+  const chartData = data.map(item => ({
+    name: item.method,
+    value: item.amount
+  }));
+
+  return (
+    <div className="neuro-card h-64 desktop-card">
+      <ResponsiveContainer width="100%" height="100%">
+        <PieChart margin={{ left: 30, right: 30, top: 20, bottom: 5 }}>
+          <Pie
+            data={chartData}
+            cx="50%"
+            cy="50%"
+            innerRadius={40}
+            outerRadius={60}
+            paddingAngle={5}
+            dataKey="value"
+            labelLine={true}
+            label={({ name, percent }) => `${name} ${(percent * 100).toFixed(0)}%`}
+            fontSize={12}
+          >
+            {chartData.map((entry, index) => (
+              <Cell key={`cell-${index}`} fill={COLORS[index % COLORS.length]} />
+            ))}
+          </Pie>
+          <Legend 
+            verticalAlign="bottom" 
+            align="center"
+            layout="horizontal"
+            formatter={(value) => {
+              const item = data.find(d => d.method === value);
+              return item ? `${value} (${item.percentage.toFixed(0)}%)` : value;
+            }}
+          />
+        </PieChart>
+      </ResponsiveContainer>
+    </div>
+  );
+};
+
+export default PaymentMethodChart;
diff --git a/src/components/expenses/ExpenseForm.tsx b/src/components/expenses/ExpenseForm.tsx
index 17608f1..0784cb9 100644
--- a/src/components/expenses/ExpenseForm.tsx
+++ b/src/components/expenses/ExpenseForm.tsx
@@ -8,11 +8,14 @@ import { Loader2 } from 'lucide-react';
 import ExpenseCategorySelector from './ExpenseCategorySelector';
 import { Badge } from '@/components/ui/badge';
 import { getPersonalizedTitleSuggestions } from '@/utils/userTitlePreferences';
+import { Separator } from '@/components/ui/separator';
+import { RadioGroup, RadioGroupItem } from '@/components/ui/radio-group';
 
 export interface ExpenseFormValues {
   title: string;
   amount: string;
   category: string;
+  paymentMethod: '신용카드' | '현금';
 }
 
 interface ExpenseFormProps {
@@ -27,6 +30,7 @@ const ExpenseForm: React.FC<ExpenseFormProps> = ({ onSubmit, onCancel, isSubmitt
       title: '',
       amount: '',
       category: '음식',
+      paymentMethod: '신용카드'
     }
   });
   
@@ -113,7 +117,7 @@ const ExpenseForm: React.FC<ExpenseFormProps> = ({ onSubmit, onCancel, isSubmitt
           )}
         />
         
-        {/* 금액 필드를 마지막으로 배치 */}
+        {/* 금액 필드를 세 번째로 배치 */}
         <FormField
           control={form.control}
           name="amount"
@@ -130,6 +134,36 @@ const ExpenseForm: React.FC<ExpenseFormProps> = ({ onSubmit, onCancel, isSubmitt
           )}
         />
         
+        {/* 구분선 추가 */}
+        <Separator className="my-2" />
+        
+        {/* 지출 방법 필드 추가 */}
+        <FormField
+          control={form.control}
+          name="paymentMethod"
+          render={({ field }) => (
+            <FormItem>
+              <FormLabel>지출 방법</FormLabel>
+              <RadioGroup
+                onValueChange={field.onChange}
+                defaultValue={field.value}
+                className="flex gap-4"
+                value={field.value}
+                disabled={isSubmitting}
+              >
+                <div className="flex items-center space-x-2">
+                  <RadioGroupItem value="신용카드" id="credit-card" />
+                  <label htmlFor="credit-card" className="cursor-pointer">신용카드</label>
+                </div>
+                <div className="flex items-center space-x-2">
+                  <RadioGroupItem value="현금" id="cash" />
+                  <label htmlFor="cash" className="cursor-pointer">현금</label>
+                </div>
+              </RadioGroup>
+            </FormItem>
+          )}
+        />
+        
         <div className="flex justify-end gap-2 pt-2">
           <Button 
             type="button" 
diff --git a/src/components/transaction/TransactionFormFields.tsx b/src/components/transaction/TransactionFormFields.tsx
index b7952f0..1ea7bb0 100644
--- a/src/components/transaction/TransactionFormFields.tsx
+++ b/src/components/transaction/TransactionFormFields.tsx
@@ -7,12 +7,15 @@ import { z } from 'zod';
 import { categoryIcons, EXPENSE_CATEGORIES } from '@/constants/categoryIcons';
 import { Badge } from '@/components/ui/badge';
 import { getPersonalizedTitleSuggestions } from '@/utils/userTitlePreferences';
+import { Separator } from '@/components/ui/separator';
+import { RadioGroup, RadioGroupItem } from '@/components/ui/radio-group';
 
-// Form schema for validation - 카테고리를 4개로 확장
+// Form schema for validation - 카테고리를 4개로 확장 및 지출 방법 추가
 export const transactionFormSchema = z.object({
   title: z.string().min(1, '제목을 입력해주세요'),
   amount: z.string().min(1, '금액을 입력해주세요'),
   category: z.enum(['음식', '쇼핑', '교통', '기타']),
+  paymentMethod: z.enum(['신용카드', '현금']).default('신용카드'),
 });
 
 export type TransactionFormValues = z.infer<typeof transactionFormSchema>;
@@ -117,7 +120,7 @@ const TransactionFormFields: React.FC<TransactionFormFieldsProps> = ({ form }) =
         )}
       />
       
-      {/* 금액 필드를 마지막으로 배치 */}
+      {/* 금액 필드를 세 번째로 배치 */}
       <FormField
         control={form.control}
         name="amount"
@@ -135,6 +138,38 @@ const TransactionFormFields: React.FC<TransactionFormFieldsProps> = ({ form }) =
           </FormItem>
         )}
       />
+
+      {/* 구분선 추가 */}
+      <Separator className="my-4" />
+      
+      {/* 지출 방법 필드 추가 */}
+      <FormField
+        control={form.control}
+        name="paymentMethod"
+        render={({ field }) => (
+          <FormItem>
+            <FormLabel>지출 방법</FormLabel>
+            <FormControl>
+              <RadioGroup
+                onValueChange={field.onChange}
+                defaultValue={field.value}
+                className="flex gap-4"
+                value={field.value}
+              >
+                <div className="flex items-center space-x-2">
+                  <RadioGroupItem value="신용카드" id="credit-card" />
+                  <label htmlFor="credit-card" className="cursor-pointer">신용카드</label>
+                </div>
+                <div className="flex items-center space-x-2">
+                  <RadioGroupItem value="현금" id="cash" />
+                  <label htmlFor="cash" className="cursor-pointer">현금</label>
+                </div>
+              </RadioGroup>
+            </FormControl>
+            <FormMessage />
+          </FormItem>
+        )}
+      />
     </>
   );
 };
diff --git a/src/components/transaction/useTransactionEdit.ts b/src/components/transaction/useTransactionEdit.ts
index fa8dfbd..0353ade 100644
--- a/src/components/transaction/useTransactionEdit.ts
+++ b/src/components/transaction/useTransactionEdit.ts
@@ -31,6 +31,7 @@ export const useTransactionEdit = (
       title: transaction.title,
       amount: formatWithCommas(transaction.amount.toString()),
       category: mapCategoryToNew(transaction.category),
+      paymentMethod: transaction.paymentMethod || '신용카드', // 지출 방법 추가, 기본값은 신용카드
     },
   });
   
@@ -41,6 +42,7 @@ export const useTransactionEdit = (
         title: transaction.title,
         amount: formatWithCommas(transaction.amount.toString()),
         category: mapCategoryToNew(transaction.category),
+        paymentMethod: transaction.paymentMethod || '신용카드', // 지출 방법 기본값
       });
     }
   }, [open, transaction, form]);
@@ -61,6 +63,7 @@ export const useTransactionEdit = (
         title: values.title,
         amount: Number(cleanAmount),
         category: values.category,
+        paymentMethod: values.paymentMethod, // 지출 방법 업데이트
       };
       
       // 컨텍스트를 통해 트랜잭션 업데이트
diff --git a/src/components/ui/radio-group.tsx b/src/components/ui/radio-group.tsx
index 43b43b4..30870a4 100644
--- a/src/components/ui/radio-group.tsx
+++ b/src/components/ui/radio-group.tsx
@@ -1,3 +1,4 @@
+
 import * as React from "react"
 import * as RadioGroupPrimitive from "@radix-ui/react-radio-group"
 import { Circle } from "lucide-react"
@@ -26,13 +27,13 @@ const RadioGroupItem = React.forwardRef<
     <RadioGroupPrimitive.Item
       ref={ref}
       className={cn(
-        "aspect-square h-4 w-4 rounded-full border border-primary text-primary ring-offset-background focus:outline-none focus-visible:ring-2 focus-visible:ring-ring focus-visible:ring-offset-2 disabled:cursor-not-allowed disabled:opacity-50",
+        "aspect-square h-4 w-4 rounded-full border border-primary bg-background ring-offset-background focus:outline-none focus-visible:ring-2 focus-visible:ring-ring focus-visible:ring-offset-2 disabled:cursor-not-allowed disabled:opacity-50",
         className
       )}
       {...props}
     >
       <RadioGroupPrimitive.Indicator className="flex items-center justify-center">
-        <Circle className="h-2.5 w-2.5 fill-current text-current" />
+        <Circle className="h-2.5 w-2.5 fill-neuro-income text-neuro-income" />
       </RadioGroupPrimitive.Indicator>
     </RadioGroupPrimitive.Item>
   )
diff --git a/src/contexts/BudgetContext.tsx b/src/contexts/BudgetContext.tsx
index 4eb06a1..70c8a6a 100644
--- a/src/contexts/BudgetContext.tsx
+++ b/src/contexts/BudgetContext.tsx
@@ -1,5 +1,148 @@
+import React, { createContext, useState, useContext, useEffect } from 'react';
+import { BudgetContextType, BudgetData, BudgetPeriod, Transaction, CategoryBudget } from './budget/types';
+import { loadTransactionsFromStorage, saveTransactionsToStorage } from '@/hooks/transactions/storageUtils';
+import { v4 as uuidv4 } from 'uuid';
 
-import { BudgetProvider, useBudget } from './budget';
+// BudgetContext 생성
+const BudgetContext = createContext<BudgetContextType | undefined>(undefined);
 
-export { BudgetProvider, useBudget };
-export type { BudgetPeriod } from './budget';
+export const BudgetProvider: React.FC<{ children: React.ReactNode }> = ({ children }) => {
+  // 로컬 스토리지에서 초기 트랜잭션 데이터 로드
+  const [transactions, setTransactions] = useState<Transaction[]>([]);
+  const [categoryBudgets, setCategoryBudgets] = useState<Record<string, number>>({});
+  const [budgetData, setBudgetData] = useState<BudgetData>({
+    daily: { targetAmount: 0, spentAmount: 0, remainingAmount: 0 },
+    weekly: { targetAmount: 0, spentAmount: 0, remainingAmount: 0 },
+    monthly: { targetAmount: 0, spentAmount: 0, remainingAmount: 0 },
+  });
+  const [selectedTab, setSelectedTab] = useState<BudgetPeriod>('monthly');
+
+  useEffect(() => {
+    const storedTransactions = loadTransactionsFromStorage();
+    setTransactions(storedTransactions);
+  }, []);
+
+  useEffect(() => {
+    // 트랜잭션 변경 시 로컬 스토리지에 저장
+    saveTransactionsToStorage(transactions);
+  }, [transactions]);
+
+  // 트랜잭션 추가
+  const addTransaction = (transaction: Transaction) => {
+    const newTransaction = { ...transaction, id: uuidv4() };
+    setTransactions(prevTransactions => [...prevTransactions, newTransaction]);
+  };
+
+  // 트랜잭션 업데이트
+  const updateTransaction = (updatedTransaction: Transaction) => {
+    setTransactions(prevTransactions =>
+      prevTransactions.map(transaction =>
+        transaction.id === updatedTransaction.id ? updatedTransaction : transaction
+      )
+    );
+  };
+
+  // 트랜잭션 삭제
+  const deleteTransaction = (id: string) => {
+    setTransactions(prevTransactions =>
+      prevTransactions.filter(transaction => transaction.id !== id)
+    );
+  };
+
+  // 예산 목표 업데이트
+  const handleBudgetGoalUpdate = (type: BudgetPeriod, amount: number, newCategoryBudgets?: Record<string, number>) => {
+    setBudgetData(prev => ({
+      ...prev,
+      [type]: {
+        ...prev[type],
+        targetAmount: amount,
+      },
+    }));
+    if (newCategoryBudgets) {
+      setCategoryBudgets(newCategoryBudgets);
+    }
+  };
+
+  // 카테고리별 지출 계산
+  const getCategorySpending = () => {
+    const categorySpending: { [key: string]: { total: number; current: number } } = {};
+
+    // 초기화
+    ['음식', '쇼핑', '교통', '기타'].forEach(category => {
+      categorySpending[category] = { total: categoryBudgets[category] || 0, current: 0 };
+    });
+
+    // 지출 합산
+    transactions.filter(tx => tx.type === 'expense').forEach(tx => {
+      categorySpending[tx.category].current += tx.amount;
+    });
+
+    // 배열로 변환
+    return Object.entries(categorySpending).map(([title, { total, current }]) => ({
+      title,
+      total,
+      current,
+    }));
+  };
+
+  // 결제 방법 통계 계산 함수 추가
+  const getPaymentMethodStats = () => {
+    // 지출 트랜잭션 필터링
+    const expenseTransactions = transactions.filter(t => t.type === 'expense');
+    
+    // 총 지출 계산
+    const totalExpense = expenseTransactions.reduce((acc, curr) => acc + curr.amount, 0);
+    
+    // 결제 방법별 금액 계산
+    const cardExpense = expenseTransactions
+      .filter(t => t.paymentMethod === '신용카드' || !t.paymentMethod) // paymentMethod가 없으면 신용카드로 간주
+      .reduce((acc, curr) => acc + curr.amount, 0);
+      
+    const cashExpense = expenseTransactions
+      .filter(t => t.paymentMethod === '현금')
+      .reduce((acc, curr) => acc + curr.amount, 0);
+    
+    // 결과 배열 생성 - 금액이 큰 순서대로 정렬
+    const result = [
+      { 
+        method: '신용카드', 
+        amount: cardExpense,
+        percentage: totalExpense > 0 ? (cardExpense / totalExpense) * 100 : 0
+      },
+      { 
+        method: '현금', 
+        amount: cashExpense,
+        percentage: totalExpense > 0 ? (cashExpense / totalExpense) * 100 : 0
+      }
+    ].sort((a, b) => b.amount - a.amount);
+    
+    return result;
+  };
+
+  return (
+    <BudgetContext.Provider value={{
+      transactions,
+      categoryBudgets,
+      budgetData,
+      selectedTab,
+      setSelectedTab,
+      updateTransaction,
+      handleBudgetGoalUpdate,
+      getCategorySpending,
+      getPaymentMethodStats, // 추가된 메서드
+      addTransaction,
+      deleteTransaction,
+    }}>
+      {children}
+    </BudgetContext.Provider>
+  );
+};
+
+// useContext Hook
+export const useBudget = () => {
+  const context = useContext(BudgetContext);
+  if (context === undefined) {
+    throw new Error("useBudget must be used within a BudgetProvider");
+  }
+  return context;
+};
diff --git a/src/contexts/budget/types.ts b/src/contexts/budget/types.ts
index 1a750b4..13a257d 100644
--- a/src/contexts/budget/types.ts
+++ b/src/contexts/budget/types.ts
@@ -30,6 +30,7 @@ export interface BudgetContextType {
   updateTransaction: (updatedTransaction: Transaction) => void;
   handleBudgetGoalUpdate: (type: BudgetPeriod, amount: number, newCategoryBudgets?: Record<string, number>) => void;
   getCategorySpending: () => CategoryBudget[];
+  getPaymentMethodStats: () => { method: string; amount: number; percentage: number }[];
 }
 
 // Transaction 타입 (기존 TransactionCard에서 가져옴)
@@ -40,6 +41,7 @@ export interface Transaction {
   date: string;
   category: string;
   type: 'income' | 'expense';
+  paymentMethod?: '신용카드' | '현금'; // 지출 방법 추가
   notes?: string;
   localTimestamp?: string; // 로컬 수정 타임스탬프 추가
   serverTimestamp?: string; // 서버 타임스탬프 추가
diff --git a/src/hooks/transactions/storageUtils.ts b/src/hooks/transactions/storageUtils.ts
index 0a8e726..5b29c6d 100644
--- a/src/hooks/transactions/storageUtils.ts
+++ b/src/hooks/transactions/storageUtils.ts
@@ -19,11 +19,31 @@ export const loadTransactionsFromStorage = (): Transaction[] => {
           if (transaction.type === 'expense') {
             // 기존 카테고리명 변환
             if (transaction.category === '식비') {
-              return { ...transaction, category: '음식' };
+              return { 
+                ...transaction, 
+                category: '음식',
+                paymentMethod: transaction.paymentMethod || '신용카드' // 기존 데이터에 없으면 기본값 추가
+              };
             } else if (transaction.category === '생활비') {
-              return { ...transaction, category: '쇼핑' };
+              return { 
+                ...transaction, 
+                category: '쇼핑',
+                paymentMethod: transaction.paymentMethod || '신용카드' // 기존 데이터에 없으면 기본값 추가
+              };
             } else if (!EXPENSE_CATEGORIES.includes(transaction.category)) {
-              return { ...transaction, category: '쇼핑' }; // 지원되지 않는 카테고리는 '쇼핑'으로
+              return { 
+                ...transaction, 
+                category: '쇼핑',
+                paymentMethod: transaction.paymentMethod || '신용카드' // 기존 데이터에 없으면 기본값 추가
+              }; // 지원되지 않는 카테고리는 '쇼핑'으로
+            }
+            
+            // 기존 데이터에 paymentMethod가 없으면 기본값 추가
+            if (!transaction.paymentMethod) {
+              return {
+                ...transaction,
+                paymentMethod: '신용카드'
+              };
             }
           }
           return transaction;
diff --git a/src/pages/Analytics.tsx b/src/pages/Analytics.tsx
index d1153c0..5e3510a 100644
--- a/src/pages/Analytics.tsx
+++ b/src/pages/Analytics.tsx
@@ -1,3 +1,4 @@
+
 import React, { useState, useEffect } from 'react';
 import NavBar from '@/components/NavBar';
 import ExpenseChart from '@/components/ExpenseChart';
@@ -6,18 +7,21 @@ import { useBudget } from '@/contexts/BudgetContext';
 import { MONTHS_KR } from '@/hooks/useTransactions';
 import { useIsMobile } from '@/hooks/use-mobile';
 import { getCategoryColor } from '@/utils/categoryColorUtils';
+import { Separator } from '@/components/ui/separator';
 
 // 새로 분리한 컴포넌트들 불러오기
 import PeriodSelector from '@/components/analytics/PeriodSelector';
 import SummaryCards from '@/components/analytics/SummaryCards';
 import MonthlyComparisonChart from '@/components/analytics/MonthlyComparisonChart';
 import CategorySpendingList from '@/components/analytics/CategorySpendingList';
+import PaymentMethodChart from '@/components/analytics/PaymentMethodChart';
 
 const Analytics = () => {
   const [selectedPeriod, setSelectedPeriod] = useState('이번 달');
   const {
     budgetData,
     getCategorySpending,
+    getPaymentMethodStats,  // 새로 추가된 메서드
     transactions
   } = useBudget();
   const isMobile = useIsMobile();
@@ -86,6 +90,10 @@ const Analytics = () => {
     value: category.current,
     color: getCategoryColor(category.title) // 일관된 색상 적용
   }));
+  
+  // 결제 방법 데이터 가져오기
+  const paymentMethodData = getPaymentMethodStats();
+  const hasPaymentData = paymentMethodData.some(method => method.amount > 0);
 
   // 월별 데이터 생성 - 샘플 데이터 제거하고 현재 달만 실제 데이터 사용
   useEffect(() => {
@@ -143,6 +151,13 @@ const Analytics = () => {
             </div>}
         </div>
         
+        {/* 결제 방법 차트 추가 */}
+        <h2 className="text-lg font-semibold mb-3 mt-6">결제 방법별 지출</h2>
+        <PaymentMethodChart 
+          data={paymentMethodData} 
+          isEmpty={!hasPaymentData}
+        />
+        
         {/* Top Spending Categories */}
         <h2 className="text-lg font-semibold mb-3 mt-6">주요 지출 카테고리</h2>
         <CategorySpendingList categories={categorySpending} totalExpense={totalExpense} className="mb-[50px]" />