diff --git a/app/modules/expense/router.py b/app/modules/expense/router.py
index 8c118b1..7a5c8e0 100644
--- a/app/modules/expense/router.py
+++ b/app/modules/expense/router.py
@@ -109,18 +109,6 @@ def _require_approver(request: Request) -> dict[str, Any]:
     return user
 
 
-def _require_admin(request: Request) -> dict[str, Any]:
-    from app.main import get_current_user_record  # noqa: WPS433
-    from app.store import is_admin  # noqa: WPS433
-
-    user = get_current_user_record(request)
-    if user is None:
-        raise HTTPException(status_code=401, detail="로그인이 필요합니다.")
-    if not is_admin(user):
-        raise HTTPException(status_code=403, detail="관리자 권한이 필요합니다.")
-    return user
-
-
 def _require_db_store(store: Any) -> None:
     """워크플로/첨부/집계는 DB 모드 전용. JSON 폴백에서는 501."""
     if not hasattr(store, "submit"):
@@ -301,26 +289,26 @@ async def reports_page(request: Request) -> HTMLResponse:
 
 
 # ────────────────────────────────────────────────────────────
-# 관리자 설정 — 분류 관리
+# 승인자 설정 — 분류 관리
 # ────────────────────────────────────────────────────────────
 @router.get("/settings", response_class=HTMLResponse)
 async def settings_page(request: Request) -> HTMLResponse:
-    """관리자 전용 설정 — 분류 추가/삭제."""
+    """승인자/관리자 설정 — 분류 추가/삭제."""
     from app.main import (  # noqa: WPS433
         build_erp_nav,
         get_current_user_record,
         render_template,
     )
-    from app.store import is_admin  # noqa: WPS433
+    from app.store import has_module, is_admin  # noqa: WPS433
 
     user = get_current_user_record(request)
     if user is None:
         return RedirectResponse(url="/login", status_code=303)
-    if not is_admin(user):
+    if not (is_admin(user) or has_module(user, "expense_approver")):
         return render_template(
             request,
             "denied.html",
-            {"reason": "개인경비 설정은 관리자만 접근할 수 있습니다."},
+            {"reason": "개인경비 설정은 승인자만 접근할 수 있습니다."},
             status_code=403,
         )
     return render_template(
@@ -328,7 +316,7 @@ async def settings_page(request: Request) -> HTMLResponse:
         "expense/settings.html",
         {
             "user": user,
-            "is_admin": True,
+            "is_admin": is_admin(user),
             "categories": _categories(request),
             "nav_items": build_erp_nav(user, active="expense"),
             "page_title": "개인경비 — 설정",
@@ -349,7 +337,7 @@ async def list_categories(
 async def add_category(
     request: Request,
     body: CategoryBody,
-    user: dict[str, Any] = Depends(_require_admin),
+    user: dict[str, Any] = Depends(_require_approver),
 ) -> JSONResponse:
     try:
         categories = _category_store(request).add(body.name)
@@ -362,7 +350,7 @@ async def add_category(
 async def delete_category(
     request: Request,
     name: str,
-    user: dict[str, Any] = Depends(_require_admin),
+    user: dict[str, Any] = Depends(_require_approver),
 ) -> JSONResponse:
     try:
         categories = _category_store(request).delete(name)
diff --git a/app/modules/expense/templates/expense/index.html b/app/modules/expense/templates/expense/index.html
index 2cbb1d3..62cc4dd 100644
--- a/app/modules/expense/templates/expense/index.html
+++ b/app/modules/expense/templates/expense/index.html
@@ -15,7 +15,7 @@
     {% if is_approver %}
     <a class="erp-btn erp-btn-outline" href="/expense/api/export.xlsx?scope=all">엑셀(전체)</a>
     {% endif %}
-    {% if is_admin %}
+    {% if is_approver %}
     <a class="erp-btn erp-btn-outline" href="/expense/settings">⚙ 설정</a>
     {% endif %}
   </div>