diff --git a/xuexiao/generate_snapshots.py b/xuexiao/generate_snapshots.py
new file mode 100644
index 0000000..1d0f52f
--- /dev/null
+++ b/xuexiao/generate_snapshots.py
@@ -0,0 +1,212 @@
+#!/usr/bin/env python3
+"""
+生成月度课时快照（MonthlySnapshot）
+基于现有数据，为每个账户生成当前月份的快照
+"""
+import os
+import sys
+sys.path.insert(0, os.path.dirname(os.path.abspath(__file__)))
+
+os.environ['DB_TYPE'] = 'sqlite'
+
+from flask import Flask
+from config import Config
+from models import db, StudentAccount, RechargeRecord, ConsumptionRecord, MonthlySnapshot
+from datetime import datetime
+
+
+def generate_snapshots():
+    """为每个学员账户生成月度快照"""
+    app = Flask(__name__)
+    app.config.from_object(Config)
+    db.init_app(app)
+    
+    with app.app_context():
+        # 清空现有快照
+        MonthlySnapshot.query.delete()
+        
+        accounts = StudentAccount.query.all()
+        print(f"开始为 {len(accounts)} 个账户生成快照...")
+        
+        # 获取所有充值记录并按账户分组
+        recharges_by_account = {}
+        all_recharges = RechargeRecord.query.all()
+        for r in all_recharges:
+            key = (r.student_id, r.course_id)
+            if key not in recharges_by_account:
+                recharges_by_account[key] = []
+            recharges_by_account[key].append(r)
+        
+        # 获取所有消课记录并按账户和年月分组
+        consumptions_by_account = {}
+        all_consumptions = ConsumptionRecord.query.all()
+        for c in all_consumptions:
+            key = (c.student_id, c.course_id)
+            if key not in consumptions_by_account:
+                consumptions_by_account[key] = []
+            consumptions_by_account[key].append(c)
+        
+        # 按年月统计消课
+        def get_yearly_consumption(student_id, course_id, year, month):
+            """获取某年某月的消课量"""
+            key = (student_id, course_id)
+            consumptions = consumptions_by_account.get(key, [])
+            total = 0.0
+            for c in consumptions:
+                if c.consume_date and c.consume_date.year == year and c.consume_date.month == month:
+                    total += float(c.hours_consumed or 0)
+            return total
+        
+        def get_yearly_recharge(student_id, course_id, year, month):
+            """获取某年某月的充值金额"""
+            key = (student_id, course_id)
+            recharges = recharges_by_account.get(key, [])
+            total_amount = 0.0
+            total_lessons = 0.0
+            total_gift = 0.0
+            for r in recharges:
+                if r.created_at and r.created_at.year == year and r.created_at.month == month:
+                    total_amount += float(r.amount or 0)
+                    total_lessons += float(r.normal_hours or 0)
+                    total_gift += float(r.gifted_hours or 0)
+            return total_amount, total_lessons, total_gift
+        
+        def get_cumulative_consumption_until(student_id, course_id, year, month):
+            """获取截至某年某月的累计消课量"""
+            key = (student_id, course_id)
+            consumptions = consumptions_by_account.get(key, [])
+            total = 0.0
+            for c in consumptions:
+                if c.consume_date:
+                    # 计算到指定月份为止
+                    if (c.consume_date.year < year) or \
+                       (c.consume_date.year == year and c.consume_date.month <= month):
+                        total += float(c.hours_consumed or 0)
+            return total
+        
+        def get_total_recharge(student_id, course_id):
+            """获取累计充值总金额"""
+            key = (student_id, course_id)
+            recharges = recharges_by_account.get(key, [])
+            return sum(float(r.amount or 0) for r in recharges)
+        
+        for idx, account in enumerate(accounts):
+            if (idx + 1) % 50 == 0:
+                print(f"  处理进度: {idx + 1}/{len(accounts)}")
+            
+            student_id = account.student_id
+            course_id = account.course_id
+            
+            # 获取总充值金额
+            total_recharge_amount = get_total_recharge(student_id, course_id)
+            
+            # 计算截至2026年4月的累计消课
+            cumulative_consumed = get_cumulative_consumption_until(student_id, course_id, 2026, 4)
+            
+            # 当前剩余课时
+            current_remaining_normal = float(account.normal_hours or 0)
+            current_remaining_gift = float(account.gifted_hours or 0)
+            
+            # 计算总购买课时
+            total_bought_lessons = current_remaining_normal + current_remaining_gift + cumulative_consumed
+            
+            # 单价
+            unit_price = float(account.unit_price or 0)
+            if unit_price == 0 and total_bought_lessons > 0:
+                unit_price = total_recharge_amount / total_bought_lessons
+            
+            # 月末余额 = 总充值 - 已消课金额
+            end_balance = total_recharge_amount - cumulative_consumed * unit_price
+            
+            # 1. 生成 2026年4月 快照（期末快照）
+            consumed_apr = get_yearly_consumption(student_id, course_id, 2026, 4)
+            
+            # 月初余额
+            prev_balance_apr = total_recharge_amount - (cumulative_consumed - consumed_apr) * unit_price
+            prev_lessons_apr = total_bought_lessons - cumulative_consumed + consumed_apr - current_remaining_gift
+            
+            snap_apr = MonthlySnapshot(
+                account_id=account.id,
+                year=2026,
+                month=4,
+                seq_no=1,
+                prev_lessons=max(0, prev_lessons_apr),
+                prev_gift_lessons=current_remaining_gift,
+                prev_total_lessons=max(0, prev_lessons_apr) + current_remaining_gift,
+                prev_balance=prev_balance_apr,
+                new_signup_lessons=0,
+                new_signup_gift_lessons=0,
+                new_signup_amount=0,
+                renewal_lessons=0,
+                renewal_gift_lessons=0,
+                renewal_amount=0,
+                consumed_lessons=consumed_apr,
+                end_lessons=current_remaining_normal,
+                end_gift_lessons=current_remaining_gift,
+                end_total_lessons=current_remaining_normal + current_remaining_gift,
+                end_balance=end_balance,
+                unit_price=unit_price,
+                notes='From Excel import'
+            )
+            db.session.add(snap_apr)
+            
+            # 2. 生成 2026年5月 快照
+            consumed_may = get_yearly_consumption(student_id, course_id, 2026, 5)
+            cumulative_consumed_may = get_cumulative_consumption_until(student_id, course_id, 2026, 5)
+            
+            end_balance_may = total_recharge_amount - cumulative_consumed_may * unit_price
+            prev_balance_may = end_balance
+            prev_lessons_may = current_remaining_normal + (consumed_apr if consumed_apr > 0 else 0)
+            
+            snap_may = MonthlySnapshot(
+                account_id=account.id,
+                year=2026,
+                month=5,
+                seq_no=1,
+                prev_lessons=current_remaining_normal,
+                prev_gift_lessons=current_remaining_gift,
+                prev_total_lessons=current_remaining_normal + current_remaining_gift,
+                prev_balance=end_balance,
+                new_signup_lessons=0,
+                new_signup_gift_lessons=0,
+                new_signup_amount=0,
+                renewal_lessons=0,
+                renewal_gift_lessons=0,
+                renewal_amount=0,
+                consumed_lessons=consumed_may,
+                end_lessons=current_remaining_normal,
+                end_gift_lessons=current_remaining_gift,
+                end_total_lessons=current_remaining_normal + current_remaining_gift,
+                end_balance=end_balance_may,
+                unit_price=unit_price,
+                notes='From Excel import'
+            )
+            db.session.add(snap_may)
+        
+        db.session.commit()
+        print(f"完成! 共生成 {MonthlySnapshot.query.count()} 条月度快照")
+        
+        # 显示统计
+        print("\n=== 按月份统计 ===")
+        from sqlalchemy import func
+        stats = db.session.query(
+            MonthlySnapshot.year,
+            MonthlySnapshot.month,
+            func.count(MonthlySnapshot.id)
+        ).group_by(MonthlySnapshot.year, MonthlySnapshot.month).order_by(
+            MonthlySnapshot.year.desc(), MonthlySnapshot.month.desc()
+        ).all()
+        
+        for y, m, c in stats:
+            print(f"  {y}-{m:02d}: {c} 条记录")
+        
+        # 验证数据
+        print("\n=== 样本数据验证 ===")
+        for snap in MonthlySnapshot.query.filter_by(year=2026, month=4).limit(5).all():
+            print(f"  Account {snap.account_id}: {snap.year}-{snap.month:02d}")
+            print(f"    月末正课: {snap.end_lessons}, 赠课: {snap.end_gift_lessons}, 总课时: {snap.end_total_lessons}")
+            print(f"    月末余额: {snap.end_balance:.2f}, 单价: {snap.unit_price:.4f}")
+
+
+if __name__ == '__main__':
+    generate_snapshots()
diff --git a/xuexiao/instance/student_course.db b/xuexiao/instance/student_course.db
index 6f53ad9..2666fd3 100644
Binary files a/xuexiao/instance/student_course.db and b/xuexiao/instance/student_course.db differ