diff --git a/apps/web/src/pages/generate/hooks/pointsCost.ts b/apps/web/src/pages/generate/hooks/pointsCost.ts
index 1bb463703..92b390c92 100644
--- a/apps/web/src/pages/generate/hooks/pointsCost.ts
+++ b/apps/web/src/pages/generate/hooks/pointsCost.ts
@@ -1,58 +1,74 @@
 /**
  * 生成前积分消耗估算与余额校验
- * 用于步骤4「确认生成」按钮前展示本次消耗，积分不足时禁用并提示充值
+ * 用于步骤「确认生成」按钮前展示本次消耗，积分不足时禁用并提示充值
+ *
+ * 契约对齐（2026-09-16 最终版）：
+ * - balance 不再包含 free_clips_* 字段，免费额度通过 dailyUsage 传入
+ * - 乘数逻辑：非会员 ceil(base × free_user_multiplier)，会员 floor(base × points_discount)
+ * - points_discount 从 subscription.plans.points_discount 获取（mock 阶段用 1 占位）
  */
-import type { PointsBalance } from "@/api/points/types"
+import type { PointsBalance, DailyUsage } from "@/api/points/types"
+import type { SubscriptionPlan } from "@/api/subscription/types"
 
-/** 生成单条视频消耗积分（基准） */
+/** 生成单条视频基准积分（ai_video base_points=8，但向导默认使用短片段，先保守按 3 估算） */
 export const BASE_VIDEO_POINTS = 3
 
-/**
- * 估算生成任务的积分消耗
- * @param videoCount 视频条数（批量模式）
- * @param memberMultiplier 会员倍率（免费用户 1.15）
- */
-export function estimateGenerateCost(videoCount: number, memberMultiplier = 1): number {
-  const raw = BASE_VIDEO_POINTS * videoCount * memberMultiplier
-  // 向上取整，避免小数
-  return Math.ceil(raw)
-}
+/** 默认免费用户倍率（后端 free_user_multiplier，mock 默认 1.15） */
+const DEFAULT_FREE_MULTIPLIER = 1.15
 
-/**
- * 判断积分是否充足（含每日免费额度）
- * @returns sufficient=true 表示可以继续生成；false 需要提示充值
- */
-export function hasEnoughPoints(
-  balance: PointsBalance | null,
-  videoCount: number,
-): {
+export interface HasEnoughPointsResult {
   sufficient: boolean
   cost: number
   reason?: string
   freeClipsUsed?: number
   freeClipsRemaining?: number
-} {
+}
+
+/**
+ * 判断积分是否充足（含每日免费额度）
+ * @param balance 积分余额
+ * @param videoCount 视频条数（批量模式下为 variant 数）
+ * @param dailyUsage 每日免费额度（可选；不传视为 0）
+ * @param plans 当前可用订阅计划列表（用于计算会员积分折扣；mock 传 []）
+ * @param currentPlanId 当前用户 plan_id（free/monthly/quarterly/yearly）
+ * @param freeMultiplier 免费用户倍率，默认 1.15
+ */
+export function hasEnoughPoints(
+  balance: PointsBalance | null,
+  videoCount: number,
+  dailyUsage?: DailyUsage | null,
+  plans: SubscriptionPlan[] = [],
+  currentPlanId: string = "free",
+  freeMultiplier: number = DEFAULT_FREE_MULTIPLIER,
+): HasEnoughPointsResult {
   if (!balance) {
-    // 未登录或未加载：不拦截，后端会校验
-    return { sufficient: true, cost: estimateGenerateCost(videoCount) }
+    return { sufficient: true, cost: estimateGenerateCost(videoCount, 1) }
   }
 
-  const isMember = balance.is_member
-  const multiplier = isMember ? 1 : 1.15
-  const cost = estimateGenerateCost(videoCount, multiplier)
+  const isMember = balance.is_member && currentPlanId !== "free"
+  const plan = plans.find((p) => p.plan_id === currentPlanId)
+  const multiplier = isMember ? (plan?.points_discount ?? 1) : freeMultiplier
+  const raw = BASE_VIDEO_POINTS * videoCount * multiplier
+  const cost = isMember ? Math.floor(raw) : Math.ceil(raw)
 
-  // 免费用户优先使用每日免费额度
-  if (!isMember && balance.free_clips_remaining && balance.free_clips_remaining > 0) {
-    const freeUsed = Math.min(balance.free_clips_remaining, videoCount)
-    const remainingAfterFree = videoCount - freeUsed
-    const paidCost = estimateGenerateCost(remainingAfterFree, multiplier)
+  const freeRemain = dailyUsage?.free_clips_remaining ?? 0
+
+  // 非会员优先用每日免费额度
+  if (!isMember && freeRemain > 0) {
+    const freeUsed = Math.min(freeRemain, videoCount)
+    const afterFree = videoCount - freeUsed
+    const paidCost =
+      afterFree === 0
+        ? 0
+        : isMember
+          ? Math.floor(BASE_VIDEO_POINTS * afterFree * multiplier)
+          : Math.ceil(BASE_VIDEO_POINTS * afterFree * multiplier)
     if (paidCost === 0) {
-      // 完全用免费额度
       return {
         sufficient: true,
         cost: 0,
         freeClipsUsed: freeUsed,
-        freeClipsRemaining: balance.free_clips_remaining - freeUsed,
+        freeClipsRemaining: freeRemain - freeUsed,
       }
     }
     if (balance.balance >= paidCost) {
@@ -60,24 +76,28 @@ export function hasEnoughPoints(
         sufficient: true,
         cost: paidCost,
         freeClipsUsed: freeUsed,
-        freeClipsRemaining: balance.free_clips_remaining - freeUsed,
+        freeClipsRemaining: freeRemain - freeUsed,
       }
     }
     return {
       sufficient: false,
       cost: paidCost,
-      reason: `积分不足：本次需 ${paidCost} 积分（使用 ${freeUsed} 次免费额度后），当前余额 ${balance.balance}，还差 ${paidCost - balance.balance} 积分`,
+      reason: `积分不足：本次需 ${paidCost} 积分（已用 ${freeUsed} 次免费额度），当前余额 ${balance.balance}，还差 ${paidCost - balance.balance} 积分`,
       freeClipsUsed: freeUsed,
     }
   }
 
-  // 付费会员或免费额度用完
-  if (balance.balance >= cost) {
-    return { sufficient: true, cost }
-  }
+  if (balance.balance >= cost) return { sufficient: true, cost }
   return {
     sufficient: false,
     cost,
     reason: `积分不足：本次需 ${cost} 积分，当前余额 ${balance.balance}，还差 ${cost - balance.balance} 积分`,
   }
 }
+
+/**
+ * 估算生成任务的积分消耗（导出给 UI 直接使用）
+ */
+export function estimateGenerateCost(videoCount: number, multiplier = 1): number {
+  return Math.ceil(BASE_VIDEO_POINTS * videoCount * multiplier)
+}