diff --git a/app/modules/expense/router.py b/app/modules/expense/router.py
index 9dab588..1dcc350 100644
--- a/app/modules/expense/router.py
+++ b/app/modules/expense/router.py
@@ -402,12 +402,52 @@ async def approved_page(request: Request) -> HTMLResponse:
     )
 
 
+def _xl_display_len(value: Any) -> int:
+    """엑셀 열너비 산정용 표시 폭. 한글/전각은 2칸으로 계산."""
+    s = "" if value is None else str(value)
+    width = 0
+    for ch in s:
+        # CJK(한글/한자/가나) 및 전각 문자 → 2칸
+        width += 2 if ord(ch) > 0x2E7F else 1
+    return width
+
+
+def _autofit_columns(ws: Any, ncols: int, *, min_w: int = 6, max_w: int = 60) -> None:
+    """A~열 내용 기준 자동 너비. 헤더 포함 최댓값 + 여유."""
+    for col in range(1, ncols + 1):
+        longest = 0
+        for cell in ws[ws.cell(row=1, column=col).column_letter]:
+            longest = max(longest, _xl_display_len(cell.value))
+        ws.column_dimensions[ws.cell(row=1, column=col).column_letter].width = (
+            max(min_w, min(max_w, longest + 2))
+        )
+
+
+def _style_header(ws: Any, ncols: int) -> None:
+    """제목 행: 파랑 배경, 흰 굵은 글씨, 가운데 정렬."""
+    from openpyxl.styles import Alignment, Font, PatternFill
+
+    fill = PatternFill(start_color="FF4472C4", end_color="FF4472C4", fill_type="solid")
+    font = Font(color="FFFFFFFF", bold=True)
+    align = Alignment(horizontal="center", vertical="center")
+    for col in range(1, ncols + 1):
+        cell = ws.cell(row=1, column=col)
+        cell.fill = fill
+        cell.font = font
+        cell.alignment = align
+
+
 def _build_approved_xlsx(
     items: list[dict[str, Any]], names: dict[str, str]
 ) -> io.BytesIO:
-    """승인완료 목록 + 직원별합계 시트 xlsx 바이트 생성."""
+    """승인완료 목록 + 직원별합계 시트 xlsx 바이트 생성.
+
+    서식: 제목행 파랑/흰굵은글씨/가운데, 금액 쉼표(#,##0), 열너비 내용 자동.
+    """
     from openpyxl import Workbook  # 지연 import
 
+    money_fmt = "#,##0"
+
     wb = Workbook()
     ws = wb.active
     ws.title = "승인완료"
@@ -416,6 +456,7 @@ def _build_approved_xlsx(
         "금액", "메모", "상태", "승인자", "결재일시",
     ]
     ws.append(header)
+    amount_col = header.index("금액") + 1  # 7 (G열)
     for r in items:
         owner = r.get("owner", "")
         ws.append([
@@ -431,17 +472,22 @@ def _build_approved_xlsx(
             r.get("approver_email", "") or "",
             r.get("decided_at", "") or "",
         ])
-    widths = [12, 14, 28, 10, 12, 24, 12, 30, 10, 24, 22]
-    for col, w in enumerate(widths, start=1):
-        ws.column_dimensions[ws.cell(row=1, column=col).column_letter].width = w
+    # 금액 열 쉼표 표시형식
+    for row in range(2, ws.max_row + 1):
+        ws.cell(row=row, column=amount_col).number_format = money_fmt
+    _style_header(ws, len(header))
+    _autofit_columns(ws, len(header))
 
     # 직원별 합계 시트
     ws2 = wb.create_sheet("직원별합계")
-    ws2.append(["이름", "이메일", "건수", "합계금액"])
+    header2 = ["이름", "이메일", "건수", "합계금액"]
+    ws2.append(header2)
     for row in _approved_aggregate(items, names):
         ws2.append([row["name"], row["owner"], row["count"], row["total"]])
-    for col, w in enumerate([14, 28, 8, 16], start=1):
-        ws2.column_dimensions[ws2.cell(row=1, column=col).column_letter].width = w
+    for row in range(2, ws2.max_row + 1):
+        ws2.cell(row=row, column=4).number_format = money_fmt  # 합계금액
+    _style_header(ws2, len(header2))
+    _autofit_columns(ws2, len(header2))
 
     buf = io.BytesIO()
     wb.save(buf)