diff --git a/apps/web/src/styles.css b/apps/web/src/styles.css
index 1cee931..8705f33 100644
--- a/apps/web/src/styles.css
+++ b/apps/web/src/styles.css
@@ -780,6 +780,11 @@ input:focus-visible {
 
 .ledger-notice-slot { position:absolute; top:0; right:0; left:0; z-index:4; height:0; overflow:visible; pointer-events:none; }
 .conversion-notice { height:32px; display:flex; align-items:center; border-bottom:1px solid #eadfca; padding:4px 12px; background:#fff9ed; color:#775b24; font-size:11px; box-shadow:0 2px 8px rgba(58,43,17,.08); pointer-events:auto; }
+.ledger-pull-indicator { position:absolute; right:16px; left:16px; z-index:3; display:flex; align-items:center; justify-content:center; gap:5px; height:32px; border:1px solid #d4e3df; border-radius:8px; padding:0 10px; background:rgba(255,255,255,.96); color:#6d807b; box-shadow:0 4px 12px rgba(27,61,53,.1); font-size:11px; pointer-events:none; transform:translateY(calc((var(--pull-progress) - 1) * -20px)); }
+.ledger-pull-indicator.top { top:8px; }
+.ledger-pull-indicator.bottom { bottom:8px; }
+.ledger-pull-indicator.refresh,.ledger-pull-indicator.previous { color:#087f72; }
+.ledger-pull-indicator.next { color:#3478e5; }
 .conversion-notice span { display:flex; align-items:center; gap:6px; }
 
 .amount-value {
diff --git a/apps/web/src/views/LedgerView.vue b/apps/web/src/views/LedgerView.vue
index ef77b7d..ef72aee 100644
--- a/apps/web/src/views/LedgerView.vue
+++ b/apps/web/src/views/LedgerView.vue
@@ -5,6 +5,7 @@ import {
   ChevronLeft,
   ChevronDown,
   ChevronRight,
+  ChevronUp,
   CircleUserRound,
   CloudOff,
   Copy,
@@ -44,6 +45,10 @@ const selectedMonth = ref(toMonthValue(new Date()));
 const monthSwipeStart = ref<{ x: number; y: number } | null>(null);
 const monthSwipeDelta = ref(0);
 const monthSwipeDragging = ref(false);
+const pullStartY = ref<number | null>(null);
+const pullDistance = ref(0);
+const pullEdge = ref<"top" | "bottom" | null>(null);
+const pullLoading = ref(false);
 let loadMoreObserver: IntersectionObserver | null = null;
 
 const selectedMonthParts = computed(() => {
@@ -144,6 +149,26 @@ watch([ledgerContent, loadMoreTrigger], ([root, trigger]) => {
 
 onBeforeUnmount(() => loadMoreObserver?.disconnect());
 
+const pullAction = computed(() => {
+  if (pullEdge.value === "bottom") return pullDistance.value >= 72 ? "next" : null;
+  if (pullEdge.value !== "top") return null;
+  if (pullDistance.value >= 112) return "previous";
+  if (pullDistance.value >= 52) return "refresh";
+  return null;
+});
+
+const pullLabel = computed(() => {
+  if (pullAction.value === "previous") return "松开以加载上一月流水";
+  if (pullAction.value === "refresh") return "松开以刷新流水";
+  if (pullEdge.value === "bottom") return "继续上拉加载下一月流水";
+  return "继续下拉刷新流水";
+});
+
+const pullProgress = computed(() => {
+  const threshold = pullEdge.value === "bottom" ? 72 : pullDistance.value < 52 ? 52 : 112;
+  return Math.min(1, pullDistance.value / threshold);
+});
+
 function localDateKey(value: string) {
   const date = new Date(value);
   return `${date.getFullYear()}-${String(date.getMonth() + 1).padStart(2, "0")}-${String(date.getDate()).padStart(2, "0")}`;
@@ -207,6 +232,59 @@ function cancelMonthSwipe() {
   monthSwipeDragging.value = false;
 }
 
+function startLedgerPull(event: TouchEvent) {
+  if (pullLoading.value) return;
+  const content = ledgerContent.value;
+  const touch = event.touches[0];
+  if (!content || !touch) return;
+  const atTop = content.scrollTop <= 0;
+  const atBottom = content.scrollHeight > content.clientHeight + 4
+    && content.scrollTop + content.clientHeight >= content.scrollHeight - 2;
+  pullEdge.value = atTop ? "top" : atBottom ? "bottom" : null;
+  pullStartY.value = pullEdge.value ? touch.clientY : null;
+  pullDistance.value = 0;
+}
+
+function moveLedgerPull(event: TouchEvent) {
+  const startY = pullStartY.value;
+  const edge = pullEdge.value;
+  const touch = event.touches[0];
+  const content = ledgerContent.value;
+  if (startY === null || !edge || !touch || !content) return;
+  const delta = edge === "top" ? touch.clientY - startY : startY - touch.clientY;
+  if (delta <= 0) {
+    pullDistance.value = 0;
+    return;
+  }
+  pullDistance.value = Math.min(144, delta * 0.55);
+}
+
+async function finishLedgerPull() {
+  const action = pullAction.value;
+  pullStartY.value = null;
+  if (!action || pullLoading.value) {
+    pullEdge.value = null;
+    pullDistance.value = 0;
+    return;
+  }
+  pullLoading.value = true;
+  try {
+    if (action === "refresh" || action === "previous" || action === "next") await store.syncEntries();
+    if (action === "previous") shiftMonth(-1);
+    if (action === "next") shiftMonth(1);
+  } finally {
+    pullLoading.value = false;
+    pullEdge.value = null;
+    pullDistance.value = 0;
+  }
+}
+
+function cancelLedgerPull() {
+  pullStartY.value = null;
+  pullEdge.value = null;
+  pullDistance.value = 0;
+}
+
 function shiftMonth(offset: number) {
   const selected = selectedMonthParts.value;
   if (!selected) return;
@@ -374,7 +452,26 @@ async function shareLedger() {
       </section>
     </header>
 
-    <section ref="ledgerContent" class="ledger-content" aria-label="账本流水">
+    <section
+      ref="ledgerContent"
+      class="ledger-content"
+      aria-label="账本流水"
+      @touchstart.passive="startLedgerPull"
+      @touchmove.passive="moveLedgerPull"
+      @touchend="finishLedgerPull"
+      @touchcancel="cancelLedgerPull"
+    >
+      <div
+        v-if="pullEdge && pullDistance > 8"
+        class="ledger-pull-indicator"
+        :class="[pullEdge, pullAction, { loading: pullLoading }]"
+        :style="{ '--pull-progress': pullProgress }"
+        role="status"
+      >
+        <ChevronUp v-if="pullEdge === 'bottom'" :size="15" />
+        <RefreshCw v-else :size="15" :class="{ spinning: pullLoading }" />
+        <span>{{ pullLoading ? "正在加载" : pullLabel }}</span>
+      </div>
       <div class="ledger-notice-slot" aria-live="polite">
         <div v-if="pendingEntryCount" class="sync-notice" role="status">
           <span><CloudOff :size="16" />{{ pendingEntryCount }} 条账目未同步云端</span>