diff --git a/apps/web/src/components/common/PointsCost/index.tsx b/apps/web/src/components/common/PointsCost/index.tsx
new file mode 100644
index 000000000..9ee2f9304
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+++ b/apps/web/src/components/common/PointsCost/index.tsx
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+/**
+ * 功能操作按钮旁的"消耗积分"提示
+ * 例：[生成配音] 💎 -1 积分
+ *  - 根据 scene_key 自动读取规则
+ *  - 免费用户自动计算 ×1.15 向上取整
+ *  - 余额不足时显示红色告警 + 充值提示
+ *
+ * 使用：<PointsCost scene="ai_voice" units={1} />
+ */
+import React, { useEffect, useMemo, useState } from "react"
+import { Tooltip } from "antd"
+import { WarningOutlined } from "@ant-design/icons"
+import { usePointsStore } from "@/store/pointsStore"
+import type { PointsSource } from "@/api/points/types"
+import { getPointsRules, POINTS_API_MOCK } from "@/api/points"
+import "./PointsCost.css"
+
+interface Props {
+  /** 消耗场景 key */
+  scene: PointsSource
+  /** 单位数（分钟数/条数/张数），默认 1 */
+  units?: number
+  /** 是否显示为紧凑模式（仅图标+数字，不显示单位文字） */
+  compact?: boolean
+  /** 余额不足时，是否显示充值提示 */
+  showRechargeHint?: boolean
+  /** 自定义 class */
+  className?: string
+}
+
+/** 单位中文 */
+const UNIT_LABEL: Record<string, string> = {
+  分钟: "分钟",
+  条: "条",
+  次: "次",
+  张: "张",
+}
+
+const PointsCost: React.FC<Props> = ({
+  scene,
+  units = 1,
+  compact = false,
+  showRechargeHint = true,
+  className = "",
+}) => {
+  const { balance, init } = usePointsStore()
+  const [rules, setRules] = useState<Awaited<ReturnType<typeof getPointsRules>> | null>(null)
+
+  useEffect(() => {
+    if (!balance) init()
+    if (!rules) {
+      getPointsRules()
+        .then(setRules)
+        .catch(() => {})
+    }
+  }, [balance, init, rules])
+
+  const { cost, isFreeQuota, rule, isFreeUser, insufficient } = useMemo(() => {
+    if (!rules || !balance) {
+      return {
+        cost: 0,
+        isFreeQuota: false,
+        rule: null,
+        isFreeUser: !balance?.is_member,
+        insufficient: false,
+      }
+    }
+    const rule = rules.rules.find((r) => r.scene_key === scene)
+    if (!rule)
+      return {
+        cost: 0,
+        isFreeQuota: false,
+        rule: null,
+        isFreeUser: !balance.is_member,
+        insufficient: false,
+      }
+    // 免费训练不扣费
+    if (rule.points_per_use === 0) {
+      return {
+        cost: 0,
+        isFreeQuota: false,
+        rule,
+        isFreeUser: !balance.is_member,
+        insufficient: false,
+      }
+    }
+
+    // 智能混剪：首条30s=3分，每+30s +1
+    let baseCost: number
+    if (scene === "ai_video" && rule.extra_per_30s) {
+      // units 当作"30s 段数"更简单；按分钟算：minutes 个 30s 段 - 1
+      const segments = Math.max(1, Math.ceil(units * 2)) // 1min = 2 segments
+      baseCost = rule.points_per_use + rule.extra_per_30s * (segments - 1)
+    } else {
+      baseCost = rule.points_per_use * Math.max(1, units)
+    }
+
+    // 混剪 + 免费用户 + 今日有免费额度 → 免费
+    const isFree =
+      scene === "ai_video" && !balance.is_member && (balance.free_clips_remaining ?? 0) > 0
+
+    const isFreeUser = !balance.is_member
+    const cost = isFree
+      ? 0
+      : isFreeUser
+        ? Math.ceil(baseCost * rules.free_user_multiplier)
+        : baseCost
+    const insufficient = !isFree && balance.balance < cost
+    return { cost, isFreeQuota: isFree, rule, isFreeUser, insufficient }
+  }, [rules, balance, scene, units])
+
+  if (!rule || !balance) {
+    return <span className={`xx-points-cost ${className}`} />
+  }
+
+  if (rule.points_per_use === 0) {
+    return (
+      <span className={`xx-points-cost free ${className}`}>
+        <span className="xx-points-tag-free">免费</span>
+      </span>
+    )
+  }
+
+  if (isFreeQuota) {
+    return (
+      <Tooltip title={`今日免费额度剩余 ${balance.free_clips_remaining} 条，不扣积分`}>
+        <span className={`xx-points-cost free-quota ${className}`}>
+          <span className="xx-points-tag-free">免费</span>
+          {!compact && (
+            <span className="xx-points-desc">（今日剩余 {balance.free_clips_remaining} 条）</span>
+          )}
+        </span>
+      </Tooltip>
+    )
+  }
+
+  const unitLabel = compact
+    ? ""
+    : ` /${units > 1 ? `${units}${UNIT_LABEL[rule.unit] ?? rule.unit}` : rule.unit}`
+
+  return (
+    <span
+      className={`xx-points-cost ${insufficient ? "insufficient" : ""} ${isFreeUser ? "free-user" : ""} ${className}`}
+    >
+      <span className="xx-points-gem">💎</span>
+      <span className="xx-points-num">-{cost}</span>
+      {unitLabel && <span className="xx-points-unit-label">积分{unitLabel}</span>}
+      {isFreeUser && !compact && (
+        <Tooltip title={`免费用户消耗 ×${rules?.free_user_multiplier ?? 1.15}，开通会员享标准价`}>
+          <span className="xx-points-free-user-tag">非会员</span>
+        </Tooltip>
+      )}
+      {insufficient && showRechargeHint && (
+        <Tooltip title={`积分不足，需 ${cost} 积分，当前余额 ${balance.balance}`}>
+          <WarningOutlined className="xx-points-warn-icon" />
+        </Tooltip>
+      )}
+    </span>
+  )
+}
+
+export default PointsCost