diff --git a/frontend/src/pages/money/BatchTab.tsx b/frontend/src/pages/money/BatchTab.tsx
index 8da375f..11c366d 100644
--- a/frontend/src/pages/money/BatchTab.tsx
+++ b/frontend/src/pages/money/BatchTab.tsx
@@ -970,7 +970,7 @@ function BatchDetail({ batchId, onBack }: { batchId: string; onBack: () => void
           )}
           {batch.entries.some((e: any) => (e.minWageApplied || 0) > 0) && (
             <InlineAlert type="warning" title="最低工资保护已触发">
-              {batch.entries.filter((e: any) => (e.minWageApplied || 0) > 0).length} 名员工已补齐到最低工资标准，递延扣款（社保/公积金/补齐差额）将在次月工资中补扣。
+              {batch.entries.filter((e: any) => (e.minWageApplied || 0) > 0).length} 名员工实发已补齐到最低工资标准。免扣的社保/公积金及额外补齐差额已递延，将在次月工资中补扣，请在「递延扣款」列查看明细。
             </InlineAlert>
           )}
           {batch.entries.some((e: any) => (e.prevDeferredSocialEmp || 0) + (e.prevDeferredHousingEmp || 0) + (e.prevDeferredMinWage || 0) > 0) && (
@@ -1111,7 +1111,7 @@ function BatchDetail({ batchId, onBack }: { batchId: string; onBack: () => void
                   {renderCell(entry, 'housingEmp')}
                   <td className="py-2 px-2 text-right text-gray-500 cursor-pointer hover:text-primary hover:underline" onClick={() => handleTaxDetailClick(entry.employeeId, entry.employee.name)} title="点击查看个税计算明细">{fmt(entry.tax)}</td>
                   {/* 实发：最低工资保护触发时高亮显示 */}
-                  <td className={`py-2 px-2 text-right font-bold ${(entry.minWageApplied || 0) > 0 ? 'text-amber-600' : 'text-safe'}`} title={(entry.minWageApplied || 0) > 0 ? `最低工资保护：补齐 ¥${entry.minWageApplied}，递延扣款 ¥${(entry.deferredSocialEmp || 0) + (entry.deferredHousingEmp || 0) + (entry.deferredMinWage || 0)} 将在次月补扣` : ''}>
+                  <td className={`py-2 px-2 text-right font-bold ${(entry.minWageApplied || 0) > 0 ? 'text-amber-600' : 'text-safe'}`} title={(entry.minWageApplied || 0) > 0 ? `最低工资保护已触发\n应发 ¥${fmt(entry.totalPay)} → 实发补齐到 ¥${fmt(entry.minWage)}\n免扣社保 ¥${fmt(entry.deferredSocialEmp || 0)} + 免扣公积金 ¥${fmt(entry.deferredHousingEmp || 0)} + 额外补齐 ¥${fmt(entry.deferredMinWage || 0)} = 递延 ¥${fmt((entry.deferredSocialEmp || 0) + (entry.deferredHousingEmp || 0) + (entry.deferredMinWage || 0))}（次月补扣）` : ''}>
                     {fmt(entry.netPay)}
                     {(entry.minWageApplied || 0) > 0 && <span className="text-xs text-amber-500 ml-1">★</span>}
                   </td>
@@ -1121,10 +1121,10 @@ function BatchDetail({ batchId, onBack }: { batchId: string; onBack: () => void
                       const deferred = (entry.deferredSocialEmp || 0) + (entry.deferredHousingEmp || 0) + (entry.deferredMinWage || 0)
                       const prevDeferred = (entry.prevDeferredSocialEmp || 0) + (entry.prevDeferredHousingEmp || 0) + (entry.prevDeferredMinWage || 0)
                       if (deferred > 0) {
-                        return <span className="text-amber-600 cursor-help" title={`递延到次月：社保 ¥${entry.deferredSocialEmp || 0} + 公积金 ¥${entry.deferredHousingEmp || 0} + 最低工资补齐 ¥${entry.deferredMinWage || 0}`}>递延 ¥{fmt(deferred)}</span>
+                        return <span className="text-amber-600 cursor-help" title={`递延到次月补扣：\n免扣社保 ¥${fmt(entry.deferredSocialEmp || 0)}\n免扣公积金 ¥${fmt(entry.deferredHousingEmp || 0)}\n额外补齐 ¥${fmt(entry.deferredMinWage || 0)}\n合计 ¥${fmt(deferred)}`}>递延 ¥{fmt(deferred)}</span>
                       }
                       if (prevDeferred > 0) {
-                        return <span className="text-blue-600 cursor-help" title={`本月补扣上月递延：社保 ¥${entry.prevDeferredSocialEmp || 0} + 公积金 ¥${entry.prevDeferredHousingEmp || 0} + 最低工资补齐 ¥${entry.prevDeferredMinWage || 0}`}>补扣 ¥{fmt(prevDeferred)}</span>
+                        return <span className="text-blue-600 cursor-help" title={`本月补扣上月递延：\n社保 ¥${fmt(entry.prevDeferredSocialEmp || 0)}\n公积金 ¥${fmt(entry.prevDeferredHousingEmp || 0)}\n最低工资补齐 ¥${fmt(entry.prevDeferredMinWage || 0)}\n合计 ¥${fmt(prevDeferred)}`}>补扣 ¥{fmt(prevDeferred)}</span>
                       }
                       return <span className="text-gray-300">—</span>
                     })()}
@@ -1135,7 +1135,7 @@ function BatchDetail({ batchId, onBack }: { batchId: string; onBack: () => void
                         <AlertTriangle className="w-4 h-4" />
                       </span>
                     ) : (entry.minWageApplied || 0) > 0 ? (
-                      <span className="text-amber-500 cursor-help" title={`最低工资保护已触发：实发补齐到 ¥${entry.minWage}，递延 ¥${(entry.deferredSocialEmp || 0) + (entry.deferredHousingEmp || 0) + (entry.deferredMinWage || 0)} 次月补扣`}>
+                      <span className="text-amber-500 cursor-help" title={`最低工资保护已触发\n应发 ¥${fmt(entry.totalPay)} → 实发 ¥${fmt(entry.minWage)}\n递延 ¥${fmt((entry.deferredSocialEmp || 0) + (entry.deferredHousingEmp || 0) + (entry.deferredMinWage || 0))} 次月补扣`}>
                         <AlertTriangle className="w-4 h-4" />
                       </span>
                     ) : (