diff --git a/rc-service/rc-service-wallet/wallet-adapter/src/main/java/com/red/circle/wallet/adapter/app/SalaryAccountRestController.java b/rc-service/rc-service-wallet/wallet-adapter/src/main/java/com/red/circle/wallet/adapter/app/SalaryAccountRestController.java
index b8cf1b22..33796108 100644
--- a/rc-service/rc-service-wallet/wallet-adapter/src/main/java/com/red/circle/wallet/adapter/app/SalaryAccountRestController.java
+++ b/rc-service/rc-service-wallet/wallet-adapter/src/main/java/com/red/circle/wallet/adapter/app/SalaryAccountRestController.java
@@ -36,6 +36,17 @@ public class SalaryAccountRestController extends BaseController {
     return salaryAccountService.getBalance(cmd.getReqUserId(), salaryType);
   }
 
+  /**
+   * 查询总余额（汇总所有工资类型）.
+   *
+   * @param cmd 请求命令
+   * @return 总余额信息
+   */
+  @GetMapping("/balance/total")
+  public SalaryAccountBalanceCO getTotalBalance(AppExtCommand cmd) {
+    return salaryAccountService.getTotalBalance(cmd.getReqUserId());
+  }
+
   /**
    * 发放工资.
    *
diff --git a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/salary/query/SalaryAccountBalanceTotalQryExe.java b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/salary/query/SalaryAccountBalanceTotalQryExe.java
new file mode 100644
index 00000000..57405379
--- /dev/null
+++ b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/salary/query/SalaryAccountBalanceTotalQryExe.java
@@ -0,0 +1,55 @@
+package com.red.circle.wallet.app.command.salary.query;
+
+import com.red.circle.wallet.app.dto.clientobject.SalaryAccountBalanceCO;
+import com.red.circle.wallet.infra.database.rds.entity.salary.SalaryAccountBalance;
+import com.red.circle.wallet.infra.database.rds.service.salary.SalaryAccountBalanceService;
+import java.math.BigDecimal;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Component;
+
+/**
+ * 查询工资账户总余额.
+ */
+@Component
+@RequiredArgsConstructor
+public class SalaryAccountBalanceTotalQryExe {
+
+  private final SalaryAccountBalanceService salaryAccountBalanceService;
+
+  public SalaryAccountBalanceCO execute(Long userId) {
+    List<SalaryAccountBalance> balances = salaryAccountBalanceService.listByUserId(userId);
+
+    SalaryAccountBalanceCO co = new SalaryAccountBalanceCO();
+    co.setUserId(userId);
+    co.setEarnPoints(BigDecimal.ZERO);
+    co.setConsumptionPoints(BigDecimal.ZERO);
+    co.setBalance(BigDecimal.ZERO);
+    co.setFrozenAmount(BigDecimal.ZERO);
+    co.setAvailableBalance(BigDecimal.ZERO);
+
+    if (balances == null || balances.isEmpty()) {
+      return co;
+    }
+
+    for (SalaryAccountBalance balance : balances) {
+      if (balance.getEarnPoints() != null) {
+        co.setEarnPoints(co.getEarnPoints().add(balance.getEarnPoints()));
+      }
+      if (balance.getConsumptionPoints() != null) {
+        co.setConsumptionPoints(co.getConsumptionPoints().add(balance.getConsumptionPoints()));
+      }
+      if (balance.getBalance() != null) {
+        co.setBalance(co.getBalance().add(balance.getBalance()));
+      }
+      if (balance.getFrozenAmount() != null) {
+        co.setFrozenAmount(co.getFrozenAmount().add(balance.getFrozenAmount()));
+      }
+      if (balance.getAvailableBalance() != null) {
+        co.setAvailableBalance(co.getAvailableBalance().add(balance.getAvailableBalance()));
+      }
+    }
+
+    return co;
+  }
+}
diff --git a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/service/SalaryAccountServiceImpl.java b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/service/SalaryAccountServiceImpl.java
index a57ca438..2714b6f3 100644
--- a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/service/SalaryAccountServiceImpl.java
+++ b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/service/SalaryAccountServiceImpl.java
@@ -6,6 +6,7 @@ import com.red.circle.wallet.app.command.salary.SalaryIssueCmdExe;
 import com.red.circle.wallet.app.command.salary.SalaryTransferGoldCmdExe;
 import com.red.circle.wallet.app.command.salary.SalaryWithdrawRefundCmdExe;
 import com.red.circle.wallet.app.command.salary.query.SalaryAccountBalanceQryExe;
+import com.red.circle.wallet.app.command.salary.query.SalaryAccountBalanceTotalQryExe;
 import com.red.circle.wallet.app.command.salary.query.SalaryRunningWaterQryExe;
 import com.red.circle.wallet.app.command.salary.query.SalaryTotalIncomeQryExe;
 import com.red.circle.wallet.app.dto.clientobject.*;
@@ -25,6 +26,7 @@ import java.util.Objects;
 public class SalaryAccountServiceImpl implements SalaryAccountService {
 
   private final SalaryAccountBalanceQryExe salaryAccountBalanceQryExe;
+  private final SalaryAccountBalanceTotalQryExe salaryAccountBalanceTotalQryExe;
   private final SalaryRunningWaterQryExe salaryRunningWaterQryExe;
   private final SalaryIssueCmdExe salaryIssueCmdExe;
   private final SalaryWithdrawRefundCmdExe salaryWithdrawRefundCmdExe;
@@ -37,6 +39,11 @@ public class SalaryAccountServiceImpl implements SalaryAccountService {
     return salaryAccountBalanceQryExe.execute(userId, SalaryType.of(salaryType));
   }
 
+  @Override
+  public SalaryAccountBalanceCO getTotalBalance(Long userId) {
+    return salaryAccountBalanceTotalQryExe.execute(userId);
+  }
+
   @Override
   public SalaryIssueResultCO issueSalary(SalaryIssueCmd cmd) {
     return salaryIssueCmdExe.execute(cmd);
diff --git a/rc-service/rc-service-wallet/wallet-client/src/main/java/com/red/circle/wallet/app/dto/clientobject/SalaryAccountTotalBalanceCO.java b/rc-service/rc-service-wallet/wallet-client/src/main/java/com/red/circle/wallet/app/dto/clientobject/SalaryAccountTotalBalanceCO.java
new file mode 100644
index 00000000..b476cf5d
--- /dev/null
+++ b/rc-service/rc-service-wallet/wallet-client/src/main/java/com/red/circle/wallet/app/dto/clientobject/SalaryAccountTotalBalanceCO.java
@@ -0,0 +1,32 @@
+package com.red.circle.wallet.app.dto.clientobject;
+
+import java.math.BigDecimal;
+import java.util.List;
+import lombok.Data;
+
+/**
+ * 工资账户总余额.
+ */
+@Data
+public class SalaryAccountTotalBalanceCO {
+
+  /**
+   * 用户ID.
+   */
+  private Long userId;
+
+  /**
+   * 总余额.
+   */
+  private BigDecimal totalBalance;
+
+  /**
+   * 总可用余额.
+   */
+  private BigDecimal totalAvailableBalance;
+
+  /**
+   * 各类型余额明细.
+   */
+  private List<SalaryAccountBalanceCO> details;
+}
diff --git a/rc-service/rc-service-wallet/wallet-client/src/main/java/com/red/circle/wallet/app/service/SalaryAccountService.java b/rc-service/rc-service-wallet/wallet-client/src/main/java/com/red/circle/wallet/app/service/SalaryAccountService.java
index 08fe1294..c9b52a93 100644
--- a/rc-service/rc-service-wallet/wallet-client/src/main/java/com/red/circle/wallet/app/service/SalaryAccountService.java
+++ b/rc-service/rc-service-wallet/wallet-client/src/main/java/com/red/circle/wallet/app/service/SalaryAccountService.java
@@ -47,6 +47,14 @@ public interface SalaryAccountService {
 
   UserBankExchangeGoldResultCO exchangeGold(SalaryWithdrawCmd cmd);
 
+  /**
+   * 查询总余额（汇总所有工资类型）.
+   *
+   * @param userId 用户ID
+   * @return 总余额信息
+   */
+  SalaryAccountBalanceCO getTotalBalance(Long userId);
+
   /**
    * 查询用户累计收入.
    *
diff --git a/rc-service/rc-service-wallet/wallet-infrastructure/src/main/java/com/red/circle/wallet/infra/database/rds/service/salary/SalaryAccountBalanceService.java b/rc-service/rc-service-wallet/wallet-infrastructure/src/main/java/com/red/circle/wallet/infra/database/rds/service/salary/SalaryAccountBalanceService.java
index 4a6d951a..f0b797b8 100644
--- a/rc-service/rc-service-wallet/wallet-infrastructure/src/main/java/com/red/circle/wallet/infra/database/rds/service/salary/SalaryAccountBalanceService.java
+++ b/rc-service/rc-service-wallet/wallet-infrastructure/src/main/java/com/red/circle/wallet/infra/database/rds/service/salary/SalaryAccountBalanceService.java
@@ -86,4 +86,9 @@ public interface SalaryAccountBalanceService extends BaseService<SalaryAccountBa
    * @return 账户信息
    */
   SalaryAccountBalance getByUserIdAndType(Long userId, SalaryType salaryType);
+
+  /**
+   * 查询用户所有工资类型的账户列表.
+   */
+  java.util.List<SalaryAccountBalance> listByUserId(Long userId);
 }
diff --git a/rc-service/rc-service-wallet/wallet-infrastructure/src/main/java/com/red/circle/wallet/infra/database/rds/service/salary/impl/SalaryAccountBalanceServiceImpl.java b/rc-service/rc-service-wallet/wallet-infrastructure/src/main/java/com/red/circle/wallet/infra/database/rds/service/salary/impl/SalaryAccountBalanceServiceImpl.java
index a8de67be..c65da92f 100644
--- a/rc-service/rc-service-wallet/wallet-infrastructure/src/main/java/com/red/circle/wallet/infra/database/rds/service/salary/impl/SalaryAccountBalanceServiceImpl.java
+++ b/rc-service/rc-service-wallet/wallet-infrastructure/src/main/java/com/red/circle/wallet/infra/database/rds/service/salary/impl/SalaryAccountBalanceServiceImpl.java
@@ -9,6 +9,7 @@ import com.red.circle.wallet.infra.database.rds.dao.salary.SalaryAccountBalanceD
 import com.red.circle.wallet.infra.database.rds.entity.salary.SalaryAccountBalance;
 import com.red.circle.wallet.infra.database.rds.service.salary.SalaryAccountBalanceService;
 import java.math.BigDecimal;
+import java.util.List;
 import java.util.Objects;
 import lombok.RequiredArgsConstructor;
 import org.springframework.stereotype.Service;
@@ -78,6 +79,13 @@ public class SalaryAccountBalanceServiceImpl
     return salaryAccountBalanceDAO.unfreezeAmount(userId, salaryType.getCode(), amount, version) > 0;
   }
 
+  @Override
+  public List<SalaryAccountBalance> listByUserId(Long userId) {
+    LambdaQueryWrapper<SalaryAccountBalance> wrapper = Wrappers.lambdaQuery(SalaryAccountBalance.class)
+        .eq(SalaryAccountBalance::getUserId, userId);
+    return list(wrapper);
+  }
+
   @Override
   public SalaryAccountBalance getByUserIdAndType(Long userId, SalaryType salaryType) {
     LambdaQueryWrapper<SalaryAccountBalance> wrapper = Wrappers.lambdaQuery(SalaryAccountBalance.class)