diff --git a/backend/main.py b/backend/main.py
index 6ff0da9..cd21767 100644
--- a/backend/main.py
+++ b/backend/main.py
@@ -211,6 +211,39 @@ async def get_kline(symbol: str = "BTC", interval: str = "5m", limit: int = 500)
     return {"symbol": symbol, "interval": interval, "count": len(data), "data": data}
 
 
+@app.get("/api/stats/ytd")
+async def get_stats_ytd():
+    """今年以来(YTD)资金费率年化统计"""
+    cached = get_cache("stats_ytd", 3600)
+    if cached: return cached
+    # 今年1月1日 00:00 UTC
+    import datetime
+    year_start = int(datetime.datetime(datetime.datetime.utcnow().year, 1, 1).timestamp() * 1000)
+    end_time = int(time.time() * 1000)
+    async with httpx.AsyncClient(timeout=20, headers=HEADERS) as client:
+        tasks = [
+            client.get(f"{BINANCE_FAPI}/fundingRate",
+                params={"symbol": s, "startTime": year_start, "endTime": end_time, "limit": 1000})
+            for s in SYMBOLS
+        ]
+        responses = await asyncio.gather(*tasks)
+    result = {}
+    for sym, resp in zip(SYMBOLS, responses):
+        if resp.status_code != 200:
+            result[sym.replace("USDT","")] = {"annualized": 0, "count": 0}
+            continue
+        key = sym.replace("USDT", "")
+        rates = [float(item["fundingRate"]) for item in resp.json()]
+        if not rates:
+            result[key] = {"annualized": 0, "count": 0}
+            continue
+        mean = sum(rates) / len(rates)
+        annualized = round(mean * 3 * 365 * 100, 2)
+        result[key] = {"annualized": annualized, "count": len(rates)}
+    set_cache("stats_ytd", result)
+    return result
+
+
 @app.get("/api/signals/history")
 async def get_signals_history(limit: int = 100):
     """查询信号推送历史"""
diff --git a/frontend/app/page.tsx b/frontend/app/page.tsx
index 77b9c94..cfe08fd 100644
--- a/frontend/app/page.tsx
+++ b/frontend/app/page.tsx
@@ -2,7 +2,7 @@
 
 import { useEffect, useState, useCallback, useRef } from "react";
 import { createChart, ColorType, CandlestickSeries } from "lightweight-charts";
-import { api, RatesResponse, StatsResponse, HistoryResponse, HistoryPoint, SignalHistoryItem, KBar } from "@/lib/api";
+import { api, RatesResponse, StatsResponse, HistoryResponse, HistoryPoint, SignalHistoryItem, KBar, YtdStatsResponse } from "@/lib/api";
 import RateCard from "@/components/RateCard";
 import StatsCard from "@/components/StatsCard";
 import {
@@ -97,6 +97,7 @@ export default function Dashboard() {
   const [stats, setStats] = useState<StatsResponse | null>(null);
   const [history, setHistory] = useState<HistoryResponse | null>(null);
   const [signals, setSignals] = useState<SignalHistoryItem[]>([]);
+  const [ytd, setYtd] = useState<YtdStatsResponse | null>(null);
   const [status, setStatus] = useState<"loading"|"running"|"error">("loading");
   const [lastUpdate, setLastUpdate] = useState("");
   const [symbol, setSymbol] = useState<"BTC"|"ETH">("BTC");
@@ -110,8 +111,8 @@ export default function Dashboard() {
 
   const fetchSlow = useCallback(async () => {
     try {
-      const [s, h, sig] = await Promise.all([api.stats(), api.history(), api.signalsHistory()]);
-      setStats(s); setHistory(h); setSignals(sig.items || []);
+      const [s, h, sig, y] = await Promise.all([api.stats(), api.history(), api.signalsHistory(), api.statsYtd()]);
+      setStats(s); setHistory(h); setSignals(sig.items || []); setYtd(y);
     } catch {}
   }, []);
 
@@ -148,8 +149,8 @@ export default function Dashboard() {
 
       {/* 费率卡片 */}
       <div className="grid grid-cols-1 md:grid-cols-2 gap-4">
-        <RateCard asset="BTC" data={rates?.BTC ?? null} />
-        <RateCard asset="ETH" data={rates?.ETH ?? null} />
+        <RateCard asset="BTC" data={rates?.BTC ?? null} ytd={ytd?.BTC ?? null} />
+        <RateCard asset="ETH" data={rates?.ETH ?? null} ytd={ytd?.ETH ?? null} />
       </div>
 
       {/* 统计卡片 */}
diff --git a/frontend/components/RateCard.tsx b/frontend/components/RateCard.tsx
index a363b94..7e23d8c 100644
--- a/frontend/components/RateCard.tsx
+++ b/frontend/components/RateCard.tsx
@@ -1,15 +1,16 @@
 "use client";
 
-import { RateData } from "@/lib/api";
+import { RateData, YtdStats } from "@/lib/api";
 
 interface Props {
   asset: "BTC" | "ETH";
   data: RateData | null;
+  ytd?: YtdStats | null;
 }
 
 const ASSET_EMOJI: Record<string, string> = { BTC: "₿", ETH: "Ξ" };
 
-export default function RateCard({ asset, data }: Props) {
+export default function RateCard({ asset, data, ytd }: Props) {
   const rate = data?.lastFundingRate ?? null;
   const positive = rate !== null && rate >= 0;
   const rateColor = rate === null ? "text-slate-400" : positive ? "text-emerald-600" : "text-red-500";
@@ -21,7 +22,6 @@ export default function RateCard({ asset, data }: Props) {
 
   const nextTime = (() => {
     if (!data?.nextFundingTime) return "--";
-    // 转北京时间（UTC+8）
     const ts = data.nextFundingTime;
     const bjt = new Date(ts + 8 * 3600 * 1000);
     const now = new Date(Date.now() + 8 * 3600 * 1000);
@@ -30,6 +30,9 @@ export default function RateCard({ asset, data }: Props) {
     return isToday ? hhmm : `明天 ${hhmm}`;
   })();
 
+  const ytdColor = ytd == null ? "text-slate-400"
+    : ytd.annualized >= 0 ? "text-emerald-600" : "text-red-500";
+
   return (
     <div className="rounded-xl border border-slate-200 bg-white shadow-sm p-6 space-y-4">
       <div className="flex items-center justify-between">
@@ -60,7 +63,20 @@ export default function RateCard({ asset, data }: Props) {
           <p className="text-slate-400 text-xs">下次结算</p>
           <p className="text-blue-600 font-mono text-sm mt-0.5">{nextTime}</p>
         </div>
+        <div>
+          <p className="text-slate-400 text-xs">今年以来年化</p>
+          <p className={`font-mono text-sm mt-0.5 font-semibold ${ytdColor}`}>
+            {ytd == null ? "--" : `${ytd.annualized > 0 ? "+" : ""}${ytd.annualized.toFixed(2)}%`}
+          </p>
+        </div>
+        <div>
+          <p className="text-slate-400 text-xs">YTD样本数</p>
+          <p className="text-slate-500 font-mono text-sm mt-0.5">
+            {ytd == null ? "--" : `${ytd.count}次`}
+          </p>
+        </div>
       </div>
     </div>
   );
 }
+
diff --git a/frontend/lib/api.ts b/frontend/lib/api.ts
index 7260a96..c254cb1 100644
--- a/frontend/lib/api.ts
+++ b/frontend/lib/api.ts
@@ -64,7 +64,17 @@ export interface SnapshotsResponse {
   data: SnapshotItem[];
 }
 
-export interface KBar {
+export interface YtdStats {
+  annualized: number;
+  count: number;
+}
+
+export interface YtdStatsResponse {
+  BTC: YtdStats;
+  ETH: YtdStats;
+}
+
+async function fetchAPI<T>(path: string): Promise<T> {
   time: number;
   open: number; high: number; low: number; close: number;
   price_open: number; price_high: number; price_low: number; price_close: number;
@@ -90,4 +100,5 @@ export const api = {
     fetchAPI<SnapshotsResponse>(`/api/snapshots?hours=${hours}&limit=${limit}`),
   kline: (symbol = "BTC", interval = "1h", limit = 500) =>
     fetchAPI<KlineResponse>(`/api/kline?symbol=${symbol}&interval=${interval}&limit=${limit}`),
+  statsYtd: () => fetchAPI<YtdStatsResponse>("/api/stats/ytd"),
 };