diff --git a/frontend/src/pages/SocialInsurance.tsx b/frontend/src/pages/SocialInsurance.tsx
index 1d06d35..2ec33e3 100644
--- a/frontend/src/pages/SocialInsurance.tsx
+++ b/frontend/src/pages/SocialInsurance.tsx
@@ -334,7 +334,7 @@ export default function SocialInsurance() {
             {t === 'monthly' ? '月度办理' : t === 'social' ? '社保' : t === 'housing' ? '公积金' : '专项附加扣除'}
           </button>
         ))}
-        {tab !== 'monthly' && (
+        {(tab === 'social' || tab === 'housing') && (
           <div className="flex items-center gap-2 ml-auto">
             <label className="text-sm text-gray-500">城市:</label>
             <input
@@ -352,7 +352,7 @@ export default function SocialInsurance() {
       </div>
 
       {/* ========== 社保 / 公积金 Tab ========== */}
-      {tab !== 'monthly' && (
+      {(tab === 'social' || tab === 'housing') && (
         (isHousing ? housingLoading : configLoading) ? (
           <Card><div className="text-center py-8 text-gray-500">加载中...</div></Card>
         ) : activeConfig ? (
@@ -663,7 +663,7 @@ export default function SocialInsurance() {
       )}
 
       {/* 试算工具 */}
-      {tab !== 'monthly' && (
+      {(tab === 'social' || tab === 'housing') && (
         <div className="grid md:grid-cols-2 gap-4">
           <Card>
             <h2 className="text-sm font-medium mb-3">{isHousing ? '公积金' : '社保'}试算</h2>