diff --git a/backend/pirocheck/src/main/java/backend/pirocheck/Assignment/service/AssignmentService.java b/backend/pirocheck/src/main/java/backend/pirocheck/Assignment/service/AssignmentService.java
index 489d3fa..a1f9a3c 100644
--- a/backend/pirocheck/src/main/java/backend/pirocheck/Assignment/service/AssignmentService.java
+++ b/backend/pirocheck/src/main/java/backend/pirocheck/Assignment/service/AssignmentService.java
@@ -13,6 +13,9 @@
 import backend.pirocheck.Assignment.entity.AssignmentStatus;
 import backend.pirocheck.Assignment.repository.AssignmentItemRepository;
 import backend.pirocheck.Assignment.repository.AssignmentRepository;
+import backend.pirocheck.Deposit.entity.Deposit;
+import backend.pirocheck.Deposit.repository.DepositRepository;
+import backend.pirocheck.Deposit.service.DepositService;
 import backend.pirocheck.User.entity.Role;
 import backend.pirocheck.User.entity.User;
 import backend.pirocheck.User.repository.UserRepository;
@@ -33,6 +36,7 @@ public class AssignmentService {
     private final AssignmentItemRepository assignmentItemRepository;
     private final AssignmentRepository assignmentRepository;
     private final UserRepository userRepository;
+    private final DepositService depositService;
 
     public List<AssignmentWeekRes> search(Long userId) {
 
@@ -163,6 +167,9 @@ public AssignmentStatus createAssignmentItem(Long userId, Long assignmentId, Ass
 
         assignmentItemRepository.save(assignmentItem);
 
+        // 보증금 즉시 재계산
+        depositService.recalculateDeposit(userId);
+
         return assignmentItem.getSubmitted();
     }
 
@@ -177,10 +184,12 @@ public AssignmentStatus updateAssignmentItem(Long userId, Long assignmentId, Ass
         AssignmentItem assignmentItem = assignmentItemRepository.findByUserAndAssignment(user, assignment)
                 .orElseThrow(() -> new IllegalArgumentException("해당 유저의 과제 채점 결과가 없습니다."));
 
-        assignmentItem.update(req.getStatus()); // 상태 업데이트
 
+        assignmentItem.update(req.getStatus()); // 상태 업데이트
         assignmentItemRepository.save(assignmentItem); // 상태 저장
 
+        // 보증금 즉시 재계산
+        depositService.recalculateDeposit(userId);
         return assignmentItem.getSubmitted();
     }
 }
diff --git a/backend/pirocheck/src/main/java/backend/pirocheck/Attendance/repository/AttendanceRepository.java b/backend/pirocheck/src/main/java/backend/pirocheck/Attendance/repository/AttendanceRepository.java
index 783b90b..938c8af 100644
--- a/backend/pirocheck/src/main/java/backend/pirocheck/Attendance/repository/AttendanceRepository.java
+++ b/backend/pirocheck/src/main/java/backend/pirocheck/Attendance/repository/AttendanceRepository.java
@@ -20,4 +20,5 @@ public interface AttendanceRepository extends JpaRepository<Attendance, Long> {
     
     // 특정 날짜와 차수에 대한 모든 출석 기록 조회
     List<Attendance> findByDateAndOrder(LocalDate date, int order);
+
 }
diff --git a/backend/pirocheck/src/main/java/backend/pirocheck/Attendance/service/AttendanceService.java b/backend/pirocheck/src/main/java/backend/pirocheck/Attendance/service/AttendanceService.java
index ae0dec4..927411d 100644
--- a/backend/pirocheck/src/main/java/backend/pirocheck/Attendance/service/AttendanceService.java
+++ b/backend/pirocheck/src/main/java/backend/pirocheck/Attendance/service/AttendanceService.java
@@ -1,5 +1,8 @@
 package backend.pirocheck.Attendance.service;
 
+import backend.pirocheck.Deposit.entity.Deposit;
+import backend.pirocheck.Deposit.repository.DepositRepository;
+import backend.pirocheck.Deposit.service.DepositService;
 import backend.pirocheck.User.entity.Role;
 import backend.pirocheck.User.entity.User;
 import backend.pirocheck.User.repository.UserRepository;
@@ -30,6 +33,7 @@ public class AttendanceService {
     private final AttendanceRepository attendanceRepository;
     private final AttendanceCodeRepository attendanceCodeRepository;
     private final UserRepository userRepository;
+    private final DepositService depositService;
 
     // 출석코드 생성 함수
     @Transactional
@@ -121,6 +125,7 @@ public String expireAttendanceCode(String code) {
         attendanceCode.setExpired(true);
         attendanceCodeRepository.save(attendanceCode);
 
+
         return "출석 코드가 성공적으로 만료되었습니다";
     }
 
@@ -171,6 +176,9 @@ public AttendanceMarkResponse markAttendance(Long userId, String inputCode) {
         attendance.setStatus(true);
         attendanceRepository.save(attendance);
 
+        //보증금 재계산
+        depositService.recalculateDeposit(userId);
+
         return AttendanceMarkResponse.success();
     }
 
@@ -223,6 +231,10 @@ public boolean updateAttendanceStatus(Long attendanceId, boolean status) {
         Attendance attendance = attendanceOpt.get();
         attendance.setStatus(status);
         attendanceRepository.save(attendance);
+
+        // 출석 변경 → 보증금 재계산
+        depositService.recalculateDeposit(attendance.getUser().getId());
+
         return true;
     }
 
diff --git a/backend/pirocheck/src/main/java/backend/pirocheck/Deposit/service/DepositService.java b/backend/pirocheck/src/main/java/backend/pirocheck/Deposit/service/DepositService.java
index 66eafb1..194dbaf 100644
--- a/backend/pirocheck/src/main/java/backend/pirocheck/Deposit/service/DepositService.java
+++ b/backend/pirocheck/src/main/java/backend/pirocheck/Deposit/service/DepositService.java
@@ -28,29 +28,40 @@ public DepositResDto getDeposit(Long userId) {
                 .orElseThrow(() -> new IllegalArgumentException("존재하지 않는 유저입니다."));
 
         Deposit deposit = depositRepository.findByUser(user);
+        calculateAndSave(user, deposit);
 
-        // 출석 실패
+        return DepositResDto.builder()
+                .amount(deposit.getAmount())
+                .descentAssignment(deposit.getDescentAssignment())
+                .descentAttendance(deposit.getDescentAttendance())
+                .ascentDefence(deposit.getAscentDefence())
+                .build();
+    }
+
+    // 보증금 재계산 (내부 로직만 수행)
+    @Transactional
+    public void recalculateDeposit(Long userId) {
+        User user = userRepository.findById(userId)
+                .orElseThrow(() -> new IllegalArgumentException("존재하지 않는 유저입니다."));
+
+        Deposit deposit = depositRepository.findByUser(user);
+        calculateAndSave(user, deposit);
+    }
+
+    // 공통 계산 로직
+    private void calculateAndSave(User user, Deposit deposit) {
+        //출석
         int failAttendanceCount = attendanceRepository.countByUserAndStatusFalse(user);
         int descentAttendance = failAttendanceCount * 10_000;
 
-        // 과제 실패
+        //과제
         int failAssignmentCount = assignmentItemRepository.countByUserAndSubmitted(user, AssignmentStatus.FAILURE);
         int weakAssignmentCount = assignmentItemRepository.countByUserAndSubmitted(user, AssignmentStatus.INSUFFICIENT);
         int descentAssignment = failAssignmentCount * 20_000 + weakAssignmentCount * 10_000;
 
-        // 방어권
         int ascentDefence = deposit.getAscentDefence();
 
-        // 보증금 업데이트
         deposit.updateAmounts(descentAssignment, descentAttendance, ascentDefence);
         depositRepository.save(deposit);
-
-        return DepositResDto.builder()
-                .amount(deposit.getAmount())
-                .descentAssignment(deposit.getDescentAssignment())
-                .descentAttendance(deposit.getDescentAttendance())
-                .ascentDefence(deposit.getAscentDefence())
-                .build();
-
     }
 }
\ No newline at end of file