diff --git a/app/models/journal.py b/app/models/journal.py
index 6db0e58..c903c5d 100644
--- a/app/models/journal.py
+++ b/app/models/journal.py
@@ -43,6 +43,9 @@ class JournalCategory(Base):
     name: Mapped[str] = mapped_column(String(50), nullable=False)
     color: Mapped[str | None] = mapped_column(String(20), nullable=True)
     sort_order: Mapped[int | None] = mapped_column(Integer, nullable=True)
+    # 이 카테고리로 새 기록을 쓸 때 내용칸에 미리 채워주는 틀(예: Story/Feelings/Decisions/... 회고 양식).
+    # 사용자가 직접 타이핑을 시작하면 더 이상 덮어쓰지 않는다(프론트에서 처리).
+    content_template: Mapped[str | None] = mapped_column(Text, nullable=True)
     created_at: Mapped[datetime] = mapped_column(server_default=func.now(), nullable=False)
 
     entries: Mapped[list["JournalEntry"]] = relationship(
diff --git a/app/routers/journal_pages.py b/app/routers/journal_pages.py
index fa90fd4..c4e97ea 100644
--- a/app/routers/journal_pages.py
+++ b/app/routers/journal_pages.py
@@ -30,6 +30,9 @@ JOURNAL_MOOD_OPTIONS = [
 ]
 templates.env.globals["journal_mood_options"] = JOURNAL_MOOD_OPTIONS
 templates.env.globals["journal_mood_emoji"] = {m.value: emoji for m, emoji, _ in JOURNAL_MOOD_OPTIONS}
+# Jinja2 내장 |tojson 필터가 이 policy를 읽어서 json.dumps에 넘긴다 — 기본값(ensure_ascii=True)이면
+# 한글이 \uXXXX로 이스케이프돼 응답 본문에서 읽기 힘들어진다.
+templates.env.policies["json.dumps_kwargs"] = {"ensure_ascii": False}
 
 
 def _parse_moods(raw: str) -> list[JournalMood]:
@@ -111,6 +114,7 @@ def journal_page(
             "tab": tab,
             "categories": categories,
             "category_id": category_id,
+            "category_templates": {str(c.id): c.content_template or "" for c in categories},
             "entry_counts": journal_service.count_entries_by_category(db, current.id) if tab == "manage" else {},
             "on_this_day": journal_service.get_on_this_day(db, current.id, today),
             "prompt": journal_service.get_random_prompt(db),
@@ -274,14 +278,18 @@ def delete_attachment_page(
 
 @router.post("/journal/categories/new")
 def create_category_page(
-    request: Request, name: str = Form(""), color: str | None = Form(None), db: Session = Depends(get_db)
+    request: Request,
+    name: str = Form(""),
+    color: str | None = Form(None),
+    content_template: str | None = Form(None),
+    db: Session = Depends(get_db),
 ):
     current = _current_user_or_redirect(request, db)
     if isinstance(current, RedirectResponse):
         return current
 
     try:
-        data = JournalCategoryCreate(name=name, color=color)
+        data = JournalCategoryCreate(name=name, color=color, content_template=content_template)
     except ValidationError as exc:
         message = exc.errors()[0]["msg"].removeprefix("Value error, ")
         return HTMLResponse(message)
@@ -303,6 +311,7 @@ def edit_category_page(
     category_id: int,
     name: str = Form(""),
     color: str | None = Form(None),
+    content_template: str | None = Form(None),
     db: Session = Depends(get_db),
 ):
     current = _current_user_or_redirect(request, db)
@@ -314,7 +323,7 @@ def edit_category_page(
         return Response(status_code=404)
 
     try:
-        data = JournalCategoryCreate(name=name, color=color)
+        data = JournalCategoryCreate(name=name, color=color, content_template=content_template)
     except ValidationError as exc:
         message = exc.errors()[0]["msg"].removeprefix("Value error, ")
         return HTMLResponse(message)
diff --git a/app/schemas/journal.py b/app/schemas/journal.py
index d569093..d932536 100644
--- a/app/schemas/journal.py
+++ b/app/schemas/journal.py
@@ -8,6 +8,7 @@ from app.models.journal import JournalAttachmentType, JournalMood
 class JournalCategoryBase(BaseModel):
     name: str
     color: str | None = None
+    content_template: str | None = None
 
     @field_validator("name")
     @classmethod
@@ -25,6 +26,14 @@ class JournalCategoryBase(BaseModel):
         v = v.strip()
         return v or None
 
+    @field_validator("content_template")
+    @classmethod
+    def blank_template_to_none(cls, v: str | None) -> str | None:
+        if v is None:
+            return None
+        v = v.strip()
+        return v or None
+
 
 class JournalCategoryCreate(JournalCategoryBase):
     pass
@@ -36,6 +45,7 @@ class JournalCategoryOut(BaseModel):
     id: int
     name: str
     color: str | None
+    content_template: str | None
     sort_order: int | None
     created_at: datetime
 
diff --git a/app/services/journal_service.py b/app/services/journal_service.py
index 7a885f2..816cfaa 100644
--- a/app/services/journal_service.py
+++ b/app/services/journal_service.py
@@ -34,6 +34,27 @@ ALLOWED_IMAGE_TYPES = {"image/jpeg", "image/png", "image/webp", "image/gif"}
 ALLOWED_VIDEO_TYPES = {"video/mp4", "video/quicktime"}
 THUMBNAIL_WIDTH = 400
 DEFAULT_CATEGORY_NAME = "일상"
+DEFAULT_CATEGORY_TEMPLATE = """**1. Story : 오늘 무슨 일이 있었나요?**
+
+-
+
+**2. Feelings : 오늘 들었던 생각과 나의 감정은?**
+
+-
+
+**3. Decisions : 오늘 내가 내린 결정이 있나요?**
+
+-
+
+**4. Insights : 나에 대해 새롭게 알게된 사실이 있나요?**
+
+-
+
+→ 나에 대한 인사이트는 메타인지를 키워주는 **소중한 기록**입니다. 꼭 보관하세요.
+
+**5. Actions : 내가 다음에 할 행동은 무엇인가요?**
+
+- """
 
 
 # ---- 카테고리 ----
@@ -54,7 +75,9 @@ def get_category(db: Session, category_id: int, user_id: int) -> JournalCategory
 
 
 def create_category(db: Session, user_id: int, data: JournalCategoryCreate) -> JournalCategory:
-    category = JournalCategory(user_id=user_id, name=data.name, color=data.color)
+    category = JournalCategory(
+        user_id=user_id, name=data.name, color=data.color, content_template=data.content_template
+    )
     db.add(category)
     db.commit()
     db.refresh(category)
@@ -64,6 +87,7 @@ def create_category(db: Session, user_id: int, data: JournalCategoryCreate) -> J
 def update_category(db: Session, category: JournalCategory, data: JournalCategoryCreate) -> JournalCategory:
     category.name = data.name
     category.color = data.color
+    category.content_template = data.content_template
     db.commit()
     db.refresh(category)
     return category
@@ -79,7 +103,9 @@ def ensure_default_category(db: Session, user_id: int) -> JournalCategory:
     )
     if existing is not None:
         return existing
-    return create_category(db, user_id, JournalCategoryCreate(name=DEFAULT_CATEGORY_NAME))
+    return create_category(
+        db, user_id, JournalCategoryCreate(name=DEFAULT_CATEGORY_NAME, content_template=DEFAULT_CATEGORY_TEMPLATE)
+    )
 
 
 def reorder_categories(db: Session, user_id: int, ordered_ids: list[int]) -> None:
diff --git a/app/templates/journal.html b/app/templates/journal.html
index a9a43b9..74876c7 100644
--- a/app/templates/journal.html
+++ b/app/templates/journal.html
@@ -59,6 +59,10 @@
           <label for="edit-category-color-{{ category.id }}">색상</label>
           <input type="color" id="edit-category-color-{{ category.id }}" name="color" value="{{ category.color or '#d97757' }}" />
         </div>
+        <div class="field">
+          <label for="edit-category-template-{{ category.id }}">기본 작성 틀 (선택)</label>
+          <textarea id="edit-category-template-{{ category.id }}" name="content_template" rows="4" placeholder="이 카테고리로 새 기록을 쓸 때 내용칸에 미리 채워줄 틀을 입력하세요">{{ category.content_template or '' }}</textarea>
+        </div>
         <div id="journal-category-edit-error-{{ category.id }}" class="form-error-text"></div>
         <div style="display:flex; gap:8px;">
           <button type="submit" class="btn btn-primary" style="flex:1;">저장</button>
@@ -85,6 +89,10 @@
       <label for="new-category-color">색상 (선택)</label>
       <input type="color" id="new-category-color" name="color" value="#d97757" />
     </div>
+    <div class="field">
+      <label for="new-category-template">기본 작성 틀 (선택)</label>
+      <textarea id="new-category-template" name="content_template" rows="4" placeholder="이 카테고리로 새 기록을 쓸 때 내용칸에 미리 채워줄 틀을 입력하세요"></textarea>
+    </div>
     <div id="journal-category-error" class="form-error-text"></div>
     <button type="submit" class="btn btn-primary btn-block">추가하기</button>
   </form>
@@ -113,6 +121,17 @@
     open: false,
     moods: [],
     toggleMood(v) { this.moods.includes(v) ? this.moods = this.moods.filter(m => m !== v) : this.moods.push(v) },
+    categoryTemplates: {{ category_templates|tojson|forceescape }},
+    content: '',
+    lastAutoFilled: '',
+    onCategoryChange(categoryId) {
+      const tmpl = this.categoryTemplates[categoryId] || '';
+      if (this.content === this.lastAutoFilled) {
+        this.content = tmpl;
+        this.lastAutoFilled = tmpl;
+      }
+    },
+    init() { this.onCategoryChange(this.$refs.categorySelect.value); },
   }"
 >
   <button type="button" class="btn btn-primary btn-block" @click="open = !open">
@@ -135,7 +154,7 @@
   >
     <div class="field">
       <label for="new-entry-category">카테고리</label>
-      <select id="new-entry-category" name="category_id">
+      <select id="new-entry-category" name="category_id" x-ref="categorySelect" @change="onCategoryChange($event.target.value)">
         {% for category in categories %}
         <option value="{{ category.id }}" {{ 'selected' if category_id == category.id }}>{{ category.name }}</option>
         {% endfor %}
@@ -154,7 +173,7 @@
 
     <div class="field">
       <label for="new-entry-content">내용</label>
-      <textarea id="new-entry-content" name="content" rows="5" required placeholder="오늘 하루는 어땠나요?"></textarea>
+      <textarea id="new-entry-content" name="content" rows="8" required placeholder="오늘 하루는 어땠나요?" x-model="content"></textarea>
     </div>
 
     <div class="field">
diff --git a/migrations/versions/0013_journal_category_template.py b/migrations/versions/0013_journal_category_template.py
new file mode 100644
index 0000000..8cdfafb
--- /dev/null
+++ b/migrations/versions/0013_journal_category_template.py
@@ -0,0 +1,58 @@
+"""add content_template to journal_category, seed the default 일상 category's template
+
+Revision ID: 0013_journal_category_template
+Revises: 0012_remove_satisfaction_moods
+Create Date: 2026-08-04
+
+카테고리별로 "새 기록 쓰기" 폼의 내용칸을 미리 채워주는 틀(예: Story/Feelings/Decisions/
+Insights/Actions 회고 양식)을 지정할 수 있게 한다. 이미 존재하는 "일상" 카테고리에는 이 틀을
+바로 채워 넣는다(새로 자동 생성되는 "일상"은 ensure_default_category가 채운다).
+"""
+from typing import Sequence, Union
+
+import sqlalchemy as sa
+from alembic import op
+
+revision: str = "0013_journal_category_template"
+down_revision: Union[str, None] = "0012_remove_satisfaction_moods"
+branch_labels: Union[str, Sequence[str], None] = None
+depends_on: Union[str, Sequence[str], None] = None
+
+DAILY_TEMPLATE = """**1. Story : 오늘 무슨 일이 있었나요?**
+
+-
+
+**2. Feelings : 오늘 들었던 생각과 나의 감정은?**
+
+-
+
+**3. Decisions : 오늘 내가 내린 결정이 있나요?**
+
+-
+
+**4. Insights : 나에 대해 새롭게 알게된 사실이 있나요?**
+
+-
+
+→ 나에 대한 인사이트는 메타인지를 키워주는 **소중한 기록**입니다. 꼭 보관하세요.
+
+**5. Actions : 내가 다음에 할 행동은 무엇인가요?**
+
+- """
+
+
+def upgrade() -> None:
+    op.add_column("journal_category", sa.Column("content_template", sa.Text(), nullable=True))
+
+    journal_category = sa.table(
+        "journal_category", sa.column("name", sa.String), sa.column("content_template", sa.Text)
+    )
+    op.execute(
+        journal_category.update()
+        .where(journal_category.c.name == "일상")
+        .values(content_template=DAILY_TEMPLATE)
+    )
+
+
+def downgrade() -> None:
+    op.drop_column("journal_category", "content_template")
diff --git a/tests/test_journal_service.py b/tests/test_journal_service.py
index 60978e9..cfe64dc 100644
--- a/tests/test_journal_service.py
+++ b/tests/test_journal_service.py
@@ -41,12 +41,25 @@ def _upload(filename: str, content_type: str, data: bytes) -> UploadFile:
 def test_ensure_default_category_creates_once(db_session, test_user):
     first = journal_service.ensure_default_category(db_session, test_user.id)
     assert first.name == journal_service.DEFAULT_CATEGORY_NAME
+    assert first.content_template == journal_service.DEFAULT_CATEGORY_TEMPLATE.strip()
 
     second = journal_service.ensure_default_category(db_session, test_user.id)
     assert second.id == first.id
     assert len(journal_service.list_categories(db_session, test_user.id)) == 1
 
 
+def test_category_content_template_persists_and_updates(db_session, test_user):
+    category = journal_service.create_category(
+        db_session, test_user.id, JournalCategoryCreate(name="회고", content_template="질문 1\n\n질문 2")
+    )
+    assert category.content_template == "질문 1\n\n질문 2"
+
+    updated = journal_service.update_category(
+        db_session, category, JournalCategoryCreate(name="회고", content_template="  ")
+    )
+    assert updated.content_template is None
+
+
 def test_list_categories_scoped_to_user(db_session, test_user, other_user):
     _make_category(db_session, test_user.id, name="일상")
     _make_category(db_session, other_user.id, name="남의 카테고리")
diff --git a/tests/test_pages_journal.py b/tests/test_pages_journal.py
index 1441841..c1b4fc6 100644
--- a/tests/test_pages_journal.py
+++ b/tests/test_pages_journal.py
@@ -8,8 +8,10 @@ from app.schemas.journal import JournalCategoryCreate, JournalEntryCreate
 from app.services import journal_service
 
 
-def _make_category(db_session, user_id, name="일상"):
-    return journal_service.create_category(db_session, user_id, JournalCategoryCreate(name=name))
+def _make_category(db_session, user_id, name="일상", content_template=None):
+    return journal_service.create_category(
+        db_session, user_id, JournalCategoryCreate(name=name, content_template=content_template)
+    )
 
 
 def _make_entry(db_session, user_id, category_id, entry_date=None, content="기록"):
@@ -36,6 +38,29 @@ def test_journal_page_creates_default_category_and_renders(auth_client):
     assert journal_service.DEFAULT_CATEGORY_NAME in response.text
 
 
+def test_journal_page_embeds_category_content_template(auth_client):
+    response = auth_client.get("/journal")
+    assert response.status_code == 200
+    assert "Story" in response.text
+    assert "메타인지" in response.text
+
+
+def test_journal_page_template_with_double_quotes_does_not_break_x_data_attribute(
+    auth_client, db_session, test_user
+):
+    baseline_form_count = auth_client.get("/journal").text.count("<form")
+
+    _make_category(db_session, test_user.id, name="따옴표카테고리", content_template='내용에 "큰따옴표"가 있어요')
+
+    response = auth_client.get("/journal")
+    assert response.status_code == 200
+    # x-data="..." 속성 안에 이스케이프 안 된 "가 섞이면 속성이 거기서 끊겨 뒤 마크업이 전부
+    # 속성값으로 흡수되는데, 그러면 폼의 <form 태그들이 열린 속성값 텍스트에 파묻혀 개수가
+    # 줄어든다 — 카테고리 하나 늘었다고 <form 개수가 그대로인지로 attribute-injection 여부를 검증한다.
+    assert response.text.count("<form") == baseline_form_count
+    assert "\\&#34;큰따옴표\\&#34;" in response.text
+
+
 def test_create_entry_via_multipart_form(auth_client, db_session, test_user, tmp_path, monkeypatch):
     monkeypatch.setattr(journal_service.settings, "journal_media_root", str(tmp_path))
     category = _make_category(db_session, test_user.id, name="투자")