diff --git a/app/modules/expense/router.py b/app/modules/expense/router.py
index f9e48ef..9dab588 100644
--- a/app/modules/expense/router.py
+++ b/app/modules/expense/router.py
@@ -402,19 +402,12 @@ async def approved_page(request: Request) -> HTMLResponse:
     )
 
 
-@router.get("/api/approved/export.xlsx")
-async def approved_export(
-    request: Request,
-    user: dict[str, Any] = Depends(_require_approver),
-) -> StreamingResponse:
+def _build_approved_xlsx(
+    items: list[dict[str, Any]], names: dict[str, str]
+) -> io.BytesIO:
+    """승인완료 목록 + 직원별합계 시트 xlsx 바이트 생성."""
     from openpyxl import Workbook  # 지연 import
 
-    store = _store(request)
-    _require_db_store(store)
-    year, mon, raw = _parse_month(request)
-    items = store.list_approved(year=year, month=mon)
-    names = _name_map(request)
-
     wb = Workbook()
     ws = wb.active
     ws.title = "승인완료"
@@ -453,6 +446,20 @@ async def approved_export(
     buf = io.BytesIO()
     wb.save(buf)
     buf.seek(0)
+    return buf
+
+
+@router.get("/api/approved/export.xlsx")
+async def approved_export(
+    request: Request,
+    user: dict[str, Any] = Depends(_require_approver),
+) -> StreamingResponse:
+    store = _store(request)
+    _require_db_store(store)
+    year, mon, raw = _parse_month(request)
+    items = store.list_approved(year=year, month=mon)
+    names = _name_map(request)
+    buf = _build_approved_xlsx(items, names)
     fname = f"expense_approved_{raw}.xlsx"
     return StreamingResponse(
         buf,
@@ -470,6 +477,7 @@ async def approved_attachments_zip(
     store = _store(request)
     _require_db_store(store)
     year, mon, raw = _parse_month(request)
+    items = store.list_approved(year=year, month=mon)
     atts = store.approved_attachments(year=year, month=mon)
     names = _name_map(request)
     upload_root = _upload_dir(request)
@@ -495,6 +503,10 @@ async def approved_attachments_zip(
     buf = io.BytesIO()
     used: dict[str, int] = {}
     with zipfile.ZipFile(buf, "w", zipfile.ZIP_DEFLATED) as zf:
+        # 1) 승인 목록 엑셀 동봉
+        xlsx_buf = _build_approved_xlsx(items, names)
+        zf.writestr(f"승인목록_{raw}.xlsx", xlsx_buf.getvalue())
+        # 2) 첨부 파일들
         for a in atts:
             path = _resolve(a)
             if path is None: