diff --git a/card-settlement-migration/src/test/java/com/bais/card/settlement/SettlementInvariantVerificationTest.java b/card-settlement-migration/src/test/java/com/bais/card/settlement/SettlementInvariantVerificationTest.java
new file mode 100644
index 0000000..1aabfd4
--- /dev/null
+++ b/card-settlement-migration/src/test/java/com/bais/card/settlement/SettlementInvariantVerificationTest.java
@@ -0,0 +1,75 @@
+package com.bais.card.settlement;
+
+import org.junit.jupiter.api.DisplayName;
+import org.junit.jupiter.api.Test;
+import java.util.Arrays;
+import java.util.Set;
+import java.util.stream.Collectors;
+import static org.junit.jupiter.api.Assertions.*;
+
+/**
+ * 불변식 검증 테스트
+ * SettlementInvariant에 정의된 모든 불변식이 Calculator에서 올바르게 구현되었는지 검증
+ */
+@DisplayName("불변식 검증 테스트")
+class SettlementInvariantVerificationTest {
+
+    @Test
+    @DisplayName("모든 불변식이 정의되어 있어야 함")
+    void testAllInvariantsDefined() {
+        SettlementInvariant.Invariant[] invariants = SettlementInvariant.getAllInvariants();
+        assertNotNull(invariants);
+        assertEquals(17, invariants.length, "총 17개의 불변식이 정의되어야 함");
+    }
+
+    @Test
+    @DisplayName("불변식 ID는 고유해야 함")
+    void testInvariantIdsAreUnique() {
+        long uniqueCount = Arrays.stream(SettlementInvariant.getAllInvariants())
+            .map(SettlementInvariant.Invariant::getId)
+            .distinct()
+            .count();
+        assertEquals(17, uniqueCount, "모든 불변식 ID는 고유해야 함");
+    }
+
+    @Test
+    @DisplayName("주요 불변식 존재 확인")
+    void testKeyInvariantsExist() {
+        Set<String> ids = Arrays.stream(SettlementInvariant.getAllInvariants())
+            .map(SettlementInvariant.Invariant::getId)
+            .collect(Collectors.toSet());
+
+        assertTrue(ids.contains("BRAND_SETTLEMENT_NON_NEGATIVE"));
+        assertTrue(ids.contains("BRAND_SETTLEMENT_FORMULA"));
+        assertTrue(ids.contains("BRAND_COMMISSION_FORMULA"));
+        assertTrue(ids.contains("BRAND_COMMISSION_RATE_DEFAULT"));
+        assertTrue(ids.contains("IRD_NON_NEGATIVE"));
+        assertTrue(ids.contains("IRD_FORMULA"));
+        assertTrue(ids.contains("IRD_RATE_DEFAULT"));
+        assertTrue(ids.contains("ISSUER_FEE_NON_NEGATIVE"));
+        assertTrue(ids.contains("ISSUER_FEE_FORMULA"));
+        assertTrue(ids.contains("ISSUER_FEE_RATE_DEFAULT"));
+        assertTrue(ids.contains("ISSUER_SETTLEMENT_NON_NEGATIVE"));
+        assertTrue(ids.contains("ISSUER_SETTLEMENT_FORMULA"));
+        assertTrue(ids.contains("AMOUNT_NOT_NULL"));
+        assertTrue(ids.contains("AMOUNT_NON_NEGATIVE"));
+        assertTrue(ids.contains("AMOUNT_MAX_LIMIT"));
+        assertTrue(ids.contains("AMOUNT_SCALE"));
+        assertTrue(ids.contains("ROUNDING_MODE"));
+    }
+
+    @Test
+    @DisplayName("불변식 설명과 수식이 비어있지 않아야 함")
+    void testInvariantMetadataNotEmpty() {
+        for (SettlementInvariant.Invariant inv : SettlementInvariant.getAllInvariants()) {
+            assertNotNull(inv.getDescription());
+            assertFalse(inv.getDescription().isEmpty());
+            assertNotNull(inv.getFormula());
+            assertFalse(inv.getFormula().isEmpty());
+            assertNotNull(inv.getAffectedClass());
+            assertFalse(inv.getAffectedClass().isEmpty());
+            assertNotNull(inv.getPreservationNote());
+            assertFalse(inv.getPreservationNote().isEmpty());
+        }
+    }
+}