diff --git a/dao/src/main/java/cn/bunny/dao/vo/financial/user/BudgetCategoryUserVo.java b/dao/src/main/java/cn/bunny/dao/vo/financial/user/BudgetCategoryUserVo.java
index a493ad1..c0762db 100644
--- a/dao/src/main/java/cn/bunny/dao/vo/financial/user/BudgetCategoryUserVo.java
+++ b/dao/src/main/java/cn/bunny/dao/vo/financial/user/BudgetCategoryUserVo.java
@@ -1,6 +1,6 @@
 package cn.bunny.dao.vo.financial.user;
 
-import cn.bunny.dao.common.vo.BaseUserVo;
+import cn.bunny.dao.common.vo.BaseVo;
 import com.alibaba.fastjson2.annotation.JSONField;
 import com.fasterxml.jackson.annotation.JsonFormat;
 import com.fasterxml.jackson.databind.annotation.JsonDeserialize;
@@ -20,7 +20,7 @@ import java.time.LocalDateTime;
 @NoArgsConstructor
 @Builder
 @Schema(name = "BudgetCategoryVo对象", title = "预算分类查询返回对象", description = "预算分类查询返回对象")
-public class BudgetCategoryUserVo extends BaseUserVo {
+public class BudgetCategoryUserVo extends BaseVo {
 
     @Schema(name = "parentId", title = "父级id")
     @JsonFormat(shape = JsonFormat.Shape.STRING)
diff --git a/dao/src/main/java/cn/bunny/dao/vo/financial/user/DebtRepaymentPlanUserVo.java b/dao/src/main/java/cn/bunny/dao/vo/financial/user/DebtRepaymentPlanUserVo.java
new file mode 100644
index 0000000..cb24244
--- /dev/null
+++ b/dao/src/main/java/cn/bunny/dao/vo/financial/user/DebtRepaymentPlanUserVo.java
@@ -0,0 +1,41 @@
+package cn.bunny.dao.vo.financial.user;
+
+import cn.bunny.dao.common.vo.BaseVo;
+import com.fasterxml.jackson.annotation.JsonFormat;
+import com.fasterxml.jackson.databind.annotation.JsonDeserialize;
+import com.fasterxml.jackson.databind.annotation.JsonSerialize;
+import com.fasterxml.jackson.datatype.jsr310.deser.LocalDateTimeDeserializer;
+import com.fasterxml.jackson.datatype.jsr310.ser.LocalDateTimeSerializer;
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.*;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+@EqualsAndHashCode(callSuper = true)
+@Data
+@AllArgsConstructor
+@NoArgsConstructor
+@Builder
+@Schema(name = "DebtRepaymentPlanVo对象", title = "债务还款计划返回对象", description = "债务还款计划返回对象")
+public class DebtRepaymentPlanUserVo extends BaseVo {
+
+    @Schema(name = "installmentNumber", title = "债务金额")
+    private BigDecimal installmentNumber;
+
+    @Schema(name = "installmentAmount", title = "每期应还金额")
+    private BigDecimal installmentAmount;
+
+    @Schema(name = "dueDate", title = "还款截止日期")
+    @JsonFormat(pattern = "yyyy-MM-dd HH:mm:ss")
+    @JsonSerialize(using = LocalDateTimeSerializer.class)
+    @JsonDeserialize(using = LocalDateTimeDeserializer.class)
+    private LocalDateTime dueDate;
+
+    @Schema(name = "paidAmount", title = "已还金额")
+    private BigDecimal paidAmount;
+
+    @Schema(name = "paymentStatus", title = "还款状态")
+    private String paymentStatus;
+
+}
\ No newline at end of file
diff --git a/dao/src/main/java/cn/bunny/dao/vo/financial/user/DebtTrackingUserVo.java b/dao/src/main/java/cn/bunny/dao/vo/financial/user/DebtTrackingUserVo.java
index df2490d..9916f65 100644
--- a/dao/src/main/java/cn/bunny/dao/vo/financial/user/DebtTrackingUserVo.java
+++ b/dao/src/main/java/cn/bunny/dao/vo/financial/user/DebtTrackingUserVo.java
@@ -1,6 +1,6 @@
 package cn.bunny.dao.vo.financial.user;
 
-import cn.bunny.dao.common.vo.BaseUserVo;
+import cn.bunny.dao.common.vo.BaseVo;
 import com.alibaba.fastjson2.annotation.JSONField;
 import com.fasterxml.jackson.annotation.JsonFormat;
 import com.fasterxml.jackson.databind.annotation.JsonDeserialize;
@@ -20,7 +20,7 @@ import java.time.LocalDateTime;
 @NoArgsConstructor
 @Builder
 @Schema(name = "DebtTrackingVo对象", title = "债务追踪返回内容", description = "债务追踪返回内容")
-public class DebtTrackingUserVo extends BaseUserVo {
+public class DebtTrackingUserVo extends BaseVo {
 
     @Schema(name = "userId", title = "绑定的用户")
     @JsonFormat(shape = JsonFormat.Shape.STRING)
diff --git a/dao/src/main/java/cn/bunny/dao/vo/financial/user/SavingGoalUserVo.java b/dao/src/main/java/cn/bunny/dao/vo/financial/user/SavingGoalUserVo.java
new file mode 100644
index 0000000..5036306
--- /dev/null
+++ b/dao/src/main/java/cn/bunny/dao/vo/financial/user/SavingGoalUserVo.java
@@ -0,0 +1,44 @@
+package cn.bunny.dao.vo.financial.user;
+
+import cn.bunny.dao.common.vo.BaseVo;
+import com.fasterxml.jackson.annotation.JsonFormat;
+import com.fasterxml.jackson.databind.annotation.JsonDeserialize;
+import com.fasterxml.jackson.databind.annotation.JsonSerialize;
+import com.fasterxml.jackson.datatype.jsr310.deser.LocalDateTimeDeserializer;
+import com.fasterxml.jackson.datatype.jsr310.ser.LocalDateTimeSerializer;
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.*;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+@EqualsAndHashCode(callSuper = true)
+@Data
+@AllArgsConstructor
+@NoArgsConstructor
+@Builder
+@Schema(name = "SavingGoalVo对象", title = "用户储值返回内容", description = "用户储值返回内容")
+public class SavingGoalUserVo extends BaseVo {
+
+    @Schema(name = "statusType", title = "完成状态")
+    private String statusType;
+
+    @Schema(name = "savingGoalName", title = "储值目标名称")
+    private String savingGoalName;
+
+    @Schema(name = "amount", title = "目标金额")
+    private BigDecimal amount;
+
+    @Schema(name = "startDuration", title = "开始目标时长")
+    @JsonFormat(pattern = "yyyy-MM-dd HH:mm:ss")
+    @JsonSerialize(using = LocalDateTimeSerializer.class)
+    @JsonDeserialize(using = LocalDateTimeDeserializer.class)
+    private LocalDateTime startDuration;
+
+    @Schema(name = "endDuration", title = "结束目标时长")
+    @JsonFormat(pattern = "yyyy-MM-dd HH:mm:ss")
+    @JsonSerialize(using = LocalDateTimeSerializer.class)
+    @JsonDeserialize(using = LocalDateTimeDeserializer.class)
+    private LocalDateTime endDuration;
+
+}
\ No newline at end of file
diff --git a/service/src/main/java/cn/bunny/services/controller/financial/DebtRepaymentPlanController.java b/service/src/main/java/cn/bunny/services/controller/financial/DebtRepaymentPlanController.java
index 25cc19f..05b5388 100644
--- a/service/src/main/java/cn/bunny/services/controller/financial/DebtRepaymentPlanController.java
+++ b/service/src/main/java/cn/bunny/services/controller/financial/DebtRepaymentPlanController.java
@@ -3,11 +3,14 @@ package cn.bunny.services.controller.financial;
 import cn.bunny.dao.dto.financial.debtRepaymentPlan.DebtRepaymentPlanDto;
 import cn.bunny.dao.dto.financial.debtRepaymentPlan.admin.DebtRepaymentPlanAddDto;
 import cn.bunny.dao.dto.financial.debtRepaymentPlan.admin.DebtRepaymentPlanUpdateDto;
+import cn.bunny.dao.dto.financial.debtRepaymentPlan.user.DebtRepaymentPlanAddUserDto;
+import cn.bunny.dao.dto.financial.debtRepaymentPlan.user.DebtRepaymentPlanUpdateUserDto;
 import cn.bunny.dao.entity.financial.DebtRepaymentPlan;
 import cn.bunny.dao.pojo.result.PageResult;
 import cn.bunny.dao.pojo.result.Result;
 import cn.bunny.dao.pojo.result.ResultCodeEnum;
 import cn.bunny.dao.vo.financial.admin.DebtRepaymentPlanVo;
+import cn.bunny.dao.vo.financial.user.DebtRepaymentPlanUserVo;
 import cn.bunny.services.service.financial.DebtRepaymentPlanService;
 import com.baomidou.mybatisplus.extension.plugins.pagination.Page;
 import io.swagger.v3.oas.annotations.Operation;
@@ -49,6 +52,19 @@ public class DebtRepaymentPlanController {
         return Mono.just(Result.success(pageResult));
     }
 
+    @Operation(summary = "用户分页查询债务还款计划表", description = "用户分页查询债务还款计划表")
+    @GetMapping("noManage/getUserDebtRepaymentPlanList/{page}/{limit}")
+    public Mono<Result<PageResult<DebtRepaymentPlanUserVo>>> getUserDebtRepaymentPlanList(
+            @Parameter(name = "page", description = "当前页", required = true)
+            @PathVariable("page") Integer page,
+            @Parameter(name = "limit", description = "每页记录数", required = true)
+            @PathVariable("limit") Integer limit,
+            DebtRepaymentPlanDto dto) {
+        Page<DebtRepaymentPlan> pageParams = new Page<>(page, limit);
+        PageResult<DebtRepaymentPlanUserVo> pageResult = debtRepaymentPlanService.getUserDebtRepaymentPlanList(pageParams, dto);
+        return Mono.just(Result.success(pageResult));
+    }
+
     @Operation(summary = "添加债务还款计划表", description = "添加债务还款计划表")
     @PostMapping("addDebtRepaymentPlan")
     public Mono<Result<String>> addDebtRepaymentPlan(@Valid @RequestBody DebtRepaymentPlanAddDto dto) {
@@ -56,6 +72,13 @@ public class DebtRepaymentPlanController {
         return Mono.just(Result.success(ResultCodeEnum.ADD_SUCCESS));
     }
 
+    @Operation(summary = "用户添加债务还款计划表", description = "用户添加债务还款计划表")
+    @PostMapping("noManage/addUserDebtRepaymentPlan")
+    public Mono<Result<String>> addUserDebtRepaymentPlan(@Valid @RequestBody DebtRepaymentPlanAddUserDto dto) {
+        debtRepaymentPlanService.addUserDebtRepaymentPlan(dto);
+        return Mono.just(Result.success(ResultCodeEnum.ADD_SUCCESS));
+    }
+
     @Operation(summary = "更新债务还款计划表", description = "更新债务还款计划表")
     @PutMapping("updateDebtRepaymentPlan")
     public Mono<Result<String>> updateDebtRepaymentPlan(@Valid @RequestBody DebtRepaymentPlanUpdateDto dto) {
@@ -63,10 +86,25 @@ public class DebtRepaymentPlanController {
         return Mono.just(Result.success(ResultCodeEnum.UPDATE_SUCCESS));
     }
 
+    @Operation(summary = "用户更新债务还款计划表", description = "用户更新债务还款计划表")
+    @PutMapping("noManage/updateUserDebtRepaymentPlan")
+    public Mono<Result<String>> updateUserDebtRepaymentPlan(@Valid @RequestBody DebtRepaymentPlanUpdateUserDto dto) {
+        debtRepaymentPlanService.updateUserDebtRepaymentPlan(dto);
+        return Mono.just(Result.success(ResultCodeEnum.UPDATE_SUCCESS));
+    }
+
     @Operation(summary = "删除债务还款计划表", description = "删除债务还款计划表")
     @DeleteMapping("deleteDebtRepaymentPlan")
     public Mono<Result<String>> deleteDebtRepaymentPlan(@RequestBody List<Long> ids) {
         debtRepaymentPlanService.deleteDebtRepaymentPlan(ids);
         return Mono.just(Result.success(ResultCodeEnum.DELETE_SUCCESS));
     }
+
+    @Operation(summary = "用户删除债务还款计划表", description = "用户删除债务还款计划表")
+    @DeleteMapping("noManage/deleteUserDebtRepaymentPlan")
+    public Mono<Result<String>> deleteUserDebtRepaymentPlan(@RequestBody List<Long> ids) {
+        debtRepaymentPlanService.deleteUserDebtRepaymentPlan(ids);
+        return Mono.just(Result.success(ResultCodeEnum.DELETE_SUCCESS));
+    }
+
 }
diff --git a/service/src/main/java/cn/bunny/services/controller/financial/SavingGoalController.java b/service/src/main/java/cn/bunny/services/controller/financial/SavingGoalController.java
index 66750a1..720cb94 100644
--- a/service/src/main/java/cn/bunny/services/controller/financial/SavingGoalController.java
+++ b/service/src/main/java/cn/bunny/services/controller/financial/SavingGoalController.java
@@ -9,6 +9,7 @@ import cn.bunny.dao.pojo.result.PageResult;
 import cn.bunny.dao.pojo.result.Result;
 import cn.bunny.dao.pojo.result.ResultCodeEnum;
 import cn.bunny.dao.vo.financial.admin.SavingGoalVo;
+import cn.bunny.dao.vo.financial.user.SavingGoalUserVo;
 import cn.bunny.services.service.financial.SavingGoalService;
 import com.baomidou.mybatisplus.extension.plugins.pagination.Page;
 import io.swagger.v3.oas.annotations.Operation;
@@ -52,14 +53,14 @@ public class SavingGoalController {
 
     @Operation(summary = "用户分页查询用户储值", description = "用户分页查询用户储值")
     @GetMapping("noManage/getUserSavingGoalList/{page}/{limit}")
-    public Mono<Result<PageResult<SavingGoalVo>>> getUserSavingGoalList(
+    public Mono<Result<PageResult<SavingGoalUserVo>>> getUserSavingGoalList(
             @Parameter(name = "page", description = "当前页", required = true)
             @PathVariable("page") Integer page,
             @Parameter(name = "limit", description = "每页记录数", required = true)
             @PathVariable("limit") Integer limit,
             SavingGoalDto dto) {
         Page<SavingGoal> pageParams = new Page<>(page, limit);
-        PageResult<SavingGoalVo> pageResult = savingGoalService.getUserSavingGoalList(pageParams, dto);
+        PageResult<SavingGoalUserVo> pageResult = savingGoalService.getUserSavingGoalList(pageParams, dto);
         return Mono.just(Result.success(pageResult));
     }
 
diff --git a/service/src/main/java/cn/bunny/services/service/financial/DebtRepaymentPlanService.java b/service/src/main/java/cn/bunny/services/service/financial/DebtRepaymentPlanService.java
index 6a6e157..5cdb846 100644
--- a/service/src/main/java/cn/bunny/services/service/financial/DebtRepaymentPlanService.java
+++ b/service/src/main/java/cn/bunny/services/service/financial/DebtRepaymentPlanService.java
@@ -3,9 +3,12 @@ package cn.bunny.services.service.financial;
 import cn.bunny.dao.dto.financial.debtRepaymentPlan.DebtRepaymentPlanDto;
 import cn.bunny.dao.dto.financial.debtRepaymentPlan.admin.DebtRepaymentPlanAddDto;
 import cn.bunny.dao.dto.financial.debtRepaymentPlan.admin.DebtRepaymentPlanUpdateDto;
+import cn.bunny.dao.dto.financial.debtRepaymentPlan.user.DebtRepaymentPlanAddUserDto;
+import cn.bunny.dao.dto.financial.debtRepaymentPlan.user.DebtRepaymentPlanUpdateUserDto;
 import cn.bunny.dao.entity.financial.DebtRepaymentPlan;
 import cn.bunny.dao.pojo.result.PageResult;
 import cn.bunny.dao.vo.financial.admin.DebtRepaymentPlanVo;
+import cn.bunny.dao.vo.financial.user.DebtRepaymentPlanUserVo;
 import com.baomidou.mybatisplus.extension.plugins.pagination.Page;
 import com.baomidou.mybatisplus.extension.service.IService;
 import jakarta.validation.Valid;
@@ -49,4 +52,34 @@ public interface DebtRepaymentPlanService extends IService<DebtRepaymentPlan> {
      * @param ids 删除id列表
      */
     void deleteDebtRepaymentPlan(List<Long> ids);
+
+    /**
+     * 用户分页查询债务还款计划表
+     *
+     * @param pageParams 分页参数
+     * @param dto        查询表单
+     * @return 分页返回结果
+     */
+    PageResult<DebtRepaymentPlanUserVo> getUserDebtRepaymentPlanList(Page<DebtRepaymentPlan> pageParams, DebtRepaymentPlanDto dto);
+
+    /**
+     * 用户添加债务还款计划表
+     *
+     * @param dto 添加表单
+     */
+    void addUserDebtRepaymentPlan(@Valid DebtRepaymentPlanAddUserDto dto);
+
+    /**
+     * 用户更新债务还款计划表
+     *
+     * @param dto 更新表单
+     */
+    void updateUserDebtRepaymentPlan(@Valid DebtRepaymentPlanUpdateUserDto dto);
+
+    /**
+     * 用户删除债务还款计划表
+     *
+     * @param ids 删除id列表
+     */
+    void deleteUserDebtRepaymentPlan(List<Long> ids);
 }
diff --git a/service/src/main/java/cn/bunny/services/service/financial/SavingGoalService.java b/service/src/main/java/cn/bunny/services/service/financial/SavingGoalService.java
index f0cd2d4..aa19b5b 100644
--- a/service/src/main/java/cn/bunny/services/service/financial/SavingGoalService.java
+++ b/service/src/main/java/cn/bunny/services/service/financial/SavingGoalService.java
@@ -7,6 +7,7 @@ import cn.bunny.dao.dto.financial.savingGoal.user.SavingGoalAddUserDto;
 import cn.bunny.dao.entity.financial.SavingGoal;
 import cn.bunny.dao.pojo.result.PageResult;
 import cn.bunny.dao.vo.financial.admin.SavingGoalVo;
+import cn.bunny.dao.vo.financial.user.SavingGoalUserVo;
 import com.baomidou.mybatisplus.extension.plugins.pagination.Page;
 import com.baomidou.mybatisplus.extension.service.IService;
 import jakarta.validation.Valid;
@@ -58,7 +59,7 @@ public interface SavingGoalService extends IService<SavingGoal> {
      * @param dto        分页查询表单
      * @return 分页返回结果
      */
-    PageResult<SavingGoalVo> getUserSavingGoalList(Page<SavingGoal> pageParams, SavingGoalDto dto);
+    PageResult<SavingGoalUserVo> getUserSavingGoalList(Page<SavingGoal> pageParams, SavingGoalDto dto);
 
     /**
      * 用户添加储值
diff --git a/service/src/main/java/cn/bunny/services/service/financial/impl/DebtRepaymentPlanServiceImpl.java b/service/src/main/java/cn/bunny/services/service/financial/impl/DebtRepaymentPlanServiceImpl.java
index 774f505..f159b1c 100644
--- a/service/src/main/java/cn/bunny/services/service/financial/impl/DebtRepaymentPlanServiceImpl.java
+++ b/service/src/main/java/cn/bunny/services/service/financial/impl/DebtRepaymentPlanServiceImpl.java
@@ -1,14 +1,21 @@
 package cn.bunny.services.service.financial.impl;
 
+import cn.bunny.common.service.context.BaseContext;
+import cn.bunny.common.service.exception.BunnyException;
 import cn.bunny.dao.dto.financial.debtRepaymentPlan.DebtRepaymentPlanDto;
 import cn.bunny.dao.dto.financial.debtRepaymentPlan.admin.DebtRepaymentPlanAddDto;
 import cn.bunny.dao.dto.financial.debtRepaymentPlan.admin.DebtRepaymentPlanUpdateDto;
+import cn.bunny.dao.dto.financial.debtRepaymentPlan.user.DebtRepaymentPlanAddUserDto;
+import cn.bunny.dao.dto.financial.debtRepaymentPlan.user.DebtRepaymentPlanUpdateUserDto;
 import cn.bunny.dao.entity.financial.DebtRepaymentPlan;
 import cn.bunny.dao.pojo.result.PageResult;
+import cn.bunny.dao.pojo.result.ResultCodeEnum;
 import cn.bunny.dao.vo.financial.admin.DebtRepaymentPlanVo;
+import cn.bunny.dao.vo.financial.user.DebtRepaymentPlanUserVo;
 import cn.bunny.services.mapper.financial.DebtRepaymentPlanMapper;
 import cn.bunny.services.service.financial.DebtRepaymentPlanService;
 import com.baomidou.mybatisplus.core.metadata.IPage;
+import com.baomidou.mybatisplus.core.toolkit.Wrappers;
 import com.baomidou.mybatisplus.extension.plugins.pagination.Page;
 import com.baomidou.mybatisplus.extension.service.impl.ServiceImpl;
 import jakarta.validation.Valid;
@@ -82,4 +89,77 @@ public class DebtRepaymentPlanServiceImpl extends ServiceImpl<DebtRepaymentPlanM
     public void deleteDebtRepaymentPlan(List<Long> ids) {
         baseMapper.deleteBatchIdsWithPhysics(ids);
     }
+
+    /**
+     * 用户分页查询债务还款计划表
+     *
+     * @param pageParams 分页参数
+     * @param dto        查询表单
+     * @return 分页返回结果
+     */
+    @Override
+    public PageResult<DebtRepaymentPlanUserVo> getUserDebtRepaymentPlanList(Page<DebtRepaymentPlan> pageParams, DebtRepaymentPlanDto dto) {
+        dto.setUserId(BaseContext.getUserId());
+
+        IPage<DebtRepaymentPlanVo> page = baseMapper.selectListByPage(pageParams, dto);
+        List<DebtRepaymentPlanUserVo> planUserVoList = page.getRecords().stream().map(debtRepaymentPlanVo -> {
+            DebtRepaymentPlanUserVo debtRepaymentPlanUserVo = new DebtRepaymentPlanUserVo();
+            BeanUtils.copyProperties(debtRepaymentPlanVo, debtRepaymentPlanUserVo);
+            return debtRepaymentPlanUserVo;
+        }).toList();
+
+        return PageResult.<DebtRepaymentPlanUserVo>builder()
+                .list(planUserVoList)
+                .pageNo(page.getCurrent())
+                .pageSize(page.getSize())
+                .total(page.getTotal())
+                .build();
+    }
+
+    /**
+     * 用户添加债务还款计划表
+     *
+     * @param dto 添加表单
+     */
+    @Override
+    public void addUserDebtRepaymentPlan(@Valid DebtRepaymentPlanAddUserDto dto) {
+        // 保存数据
+        DebtRepaymentPlan debtRepaymentPlan = new DebtRepaymentPlan();
+        BeanUtils.copyProperties(dto, debtRepaymentPlan);
+
+        debtRepaymentPlan.setUserId(BaseContext.getUserId());
+        save(debtRepaymentPlan);
+    }
+
+    /**
+     * 用户更新债务还款计划表
+     *
+     * @param dto 更新表单
+     */
+    @Override
+    public void updateUserDebtRepaymentPlan(@Valid DebtRepaymentPlanUpdateUserDto dto) {
+        // 更新内容
+        DebtRepaymentPlan debtRepaymentPlan = new DebtRepaymentPlan();
+        BeanUtils.copyProperties(dto, debtRepaymentPlan);
+
+        debtRepaymentPlan.setUserId(BaseContext.getUserId());
+        updateById(debtRepaymentPlan);
+    }
+
+    /**
+     * 用户删除债务还款计划表
+     *
+     * @param ids 删除id列表
+     */
+    @Override
+    public void deleteUserDebtRepaymentPlan(List<Long> ids) {
+        // 判断删除的是否是自己的账单
+        List<DebtRepaymentPlan> billList = list(Wrappers.<DebtRepaymentPlan>lambdaQuery().in(DebtRepaymentPlan::getId, ids))
+                .stream().filter(bill -> !bill.getUserId().equals(BaseContext.getUserId())).toList();
+        if (!billList.isEmpty()) {
+            throw new BunnyException(ResultCodeEnum.ILLEGAL_DATA_REQUEST);
+        }
+
+        baseMapper.deleteBatchIdsWithPhysics(ids);
+    }
 }
diff --git a/service/src/main/java/cn/bunny/services/service/financial/impl/SavingGoalServiceImpl.java b/service/src/main/java/cn/bunny/services/service/financial/impl/SavingGoalServiceImpl.java
index a6896e3..128e837 100644
--- a/service/src/main/java/cn/bunny/services/service/financial/impl/SavingGoalServiceImpl.java
+++ b/service/src/main/java/cn/bunny/services/service/financial/impl/SavingGoalServiceImpl.java
@@ -10,6 +10,7 @@ import cn.bunny.dao.entity.financial.SavingGoal;
 import cn.bunny.dao.pojo.result.PageResult;
 import cn.bunny.dao.pojo.result.ResultCodeEnum;
 import cn.bunny.dao.vo.financial.admin.SavingGoalVo;
+import cn.bunny.dao.vo.financial.user.SavingGoalUserVo;
 import cn.bunny.services.mapper.financial.SavingGoalMapper;
 import cn.bunny.services.service.financial.SavingGoalService;
 import com.baomidou.mybatisplus.core.metadata.IPage;
@@ -96,12 +97,18 @@ public class SavingGoalServiceImpl extends ServiceImpl<SavingGoalMapper, SavingG
      * @return 分页返回结果
      */
     @Override
-    public PageResult<SavingGoalVo> getUserSavingGoalList(Page<SavingGoal> pageParams, SavingGoalDto dto) {
+    public PageResult<SavingGoalUserVo> getUserSavingGoalList(Page<SavingGoal> pageParams, SavingGoalDto dto) {
         dto.setUserId(BaseContext.getUserId());
-        IPage<SavingGoalVo> page = baseMapper.selectListByPage(pageParams, dto);
 
-        return PageResult.<SavingGoalVo>builder()
-                .list(page.getRecords())
+        IPage<SavingGoalVo> page = baseMapper.selectListByPage(pageParams, dto);
+        List<SavingGoalUserVo> goalUserVoList = page.getRecords().stream().map(savingGoalVo -> {
+            SavingGoalUserVo savingGoalUserVo = new SavingGoalUserVo();
+            BeanUtils.copyProperties(savingGoalVo, savingGoalUserVo);
+            return savingGoalUserVo;
+        }).toList();
+
+        return PageResult.<SavingGoalUserVo>builder()
+                .list(goalUserVoList)
                 .pageNo(page.getCurrent())
                 .pageSize(page.getSize())
                 .total(page.getTotal())
diff --git a/service/src/main/resources/mapper/financial/DebtRepaymentPlanMapper.xml b/service/src/main/resources/mapper/financial/DebtRepaymentPlanMapper.xml
index 9e2fa56..188639a 100644
--- a/service/src/main/resources/mapper/financial/DebtRepaymentPlanMapper.xml
+++ b/service/src/main/resources/mapper/financial/DebtRepaymentPlanMapper.xml
@@ -36,6 +36,9 @@
         left join sys_user update_user on update_user.id = base.update_user
         <where>
             base.is_deleted = 0
+            <if test="dto.userId != null">
+                and base.user_id = #{dto.userId}
+            </if>
             <if test="dto.installmentNumber != null and dto.installmentNumber != ''">
                 and base.installment_number like CONCAT('%',#{dto.installmentNumber},'%')
             </if>