diff --git a/frontend/src/services/budgets.ts b/frontend/src/services/budgets.ts
new file mode 100644
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+++ b/frontend/src/services/budgets.ts
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+/**
+ * 预算服务 - Budgets API Service
+ * 功能：封装预算相关的 API 调用，提供预算 CRUD 操作
+ * API 依赖：
+ *   - GET /api/budgets - 获取预算列表（可按月份筛选）
+ *   - GET /api/budgets/:id - 获取单条预算
+ *   - POST /api/budgets - 创建预算
+ *   - PUT /api/budgets/:id - 更新预算
+ *   - DELETE /api/budgets/:id - 删除预算
+ */
+import { apiClient } from './apiClient';
+import type { Budget, BudgetFormData } from '../types';
+import { useUserStore } from '../stores/userStore';
+
+export const budgetsApi = {
+  // API: GET /api/budgets - 获取预算列表，支持按月份筛选
+  async getBudgets(month?: string): Promise<Budget[]> {
+    const userId = useUserStore.getState().userId;
+    const params: Record<string, string | number> = { userId };
+    if (month) params.month = month;
+    const response = await apiClient.get<Budget[]>('/budgets', params);
+    return response.data;
+  },
+
+  // API: GET /api/budgets/:id - 获取指定预算详情
+  async getBudget(id: number): Promise<Budget> {
+    const response = await apiClient.get<Budget>(`/budgets/${id}`);
+    return response.data;
+  },
+
+  // API: POST /api/budgets - 创建新预算，自动关联当前用户
+  async createBudget(data: Omit<BudgetFormData, 'userId'>): Promise<Budget> {
+    const userId = useUserStore.getState().userId;
+    const response = await apiClient.post<Budget>('/budgets', { ...data, userId });
+    return response.data;
+  },
+
+  // API: PUT /api/budgets/:id - 更新预算，支持部分更新
+  async updateBudget(id: number, data: Partial<BudgetFormData>): Promise<Budget> {
+    const response = await apiClient.put<Budget>(`/budgets/${id}`, data);
+    return response.data;
+  },
+
+  // API: DELETE /api/budgets/:id - 删除指定预算
+  async deleteBudget(id: number): Promise<void> {
+    const response = await apiClient.delete<void>(`/budgets/${id}`);
+    return response.data;
+  },
+};