diff --git a/src/main/java/com/bbteam/budgetbuddies/domain/category/repository/CategoryRepository.java b/src/main/java/com/bbteam/budgetbuddies/domain/category/repository/CategoryRepository.java
index c6b571bb..fb64bd42 100644
--- a/src/main/java/com/bbteam/budgetbuddies/domain/category/repository/CategoryRepository.java
+++ b/src/main/java/com/bbteam/budgetbuddies/domain/category/repository/CategoryRepository.java
@@ -12,5 +12,7 @@ public interface CategoryRepository extends JpaRepository<Category, Long> {
 	@Query(value = "SELECT c FROM Category AS c WHERE c.isDefault=TRUE OR c.user.id=:id")
 	List<Category> findUserCategoryByUserId(@Param("id") Long id);
 
+	@Query("SELECT c FROM Category c WHERE c.isDefault = true")
+	List<Category> findAllByIsDefaultTrue();
 	boolean existsByUserIdAndName(Long userId, String name);
 }
\ No newline at end of file
diff --git a/src/main/java/com/bbteam/budgetbuddies/domain/category/service/CategoryServiceImpl.java b/src/main/java/com/bbteam/budgetbuddies/domain/category/service/CategoryServiceImpl.java
index 2df03410..23f37b74 100644
--- a/src/main/java/com/bbteam/budgetbuddies/domain/category/service/CategoryServiceImpl.java
+++ b/src/main/java/com/bbteam/budgetbuddies/domain/category/service/CategoryServiceImpl.java
@@ -5,12 +5,15 @@
 import com.bbteam.budgetbuddies.domain.category.dto.CategoryResponseDTO;
 import com.bbteam.budgetbuddies.domain.category.entity.Category;
 import com.bbteam.budgetbuddies.domain.category.repository.CategoryRepository;
+import com.bbteam.budgetbuddies.domain.consumptiongoal.entity.ConsumptionGoal;
+import com.bbteam.budgetbuddies.domain.consumptiongoal.repository.ConsumptionGoalRepository;
 import com.bbteam.budgetbuddies.domain.user.entity.User;
 import com.bbteam.budgetbuddies.domain.user.repository.UserRepository;
 import lombok.RequiredArgsConstructor;
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
+import java.time.LocalDate;
 import java.util.List;
 import java.util.stream.Collectors;
 
@@ -22,6 +25,7 @@ public class CategoryServiceImpl implements CategoryService {
     private final CategoryRepository categoryRepository;
     private final UserRepository userRepository;
     private final CategoryConverter categoryConverter;
+    private final ConsumptionGoalRepository consumptionGoalRepository;
 
     @Override
     public CategoryResponseDTO createCategory(CategoryRequestDTO categoryRequestDTO) {
@@ -32,10 +36,20 @@ public CategoryResponseDTO createCategory(CategoryRequestDTO categoryRequestDTO)
             throw new IllegalArgumentException("User already has a category with the same name");
         }
 
-
         Category category = categoryConverter.toCategoryEntity(categoryRequestDTO, user);
         Category savedCategory = categoryRepository.save(category);
 
+        // custom 카테고리 생성 -> 소비 목표 테이블에 초기 값 추가
+        ConsumptionGoal consumptionGoal = ConsumptionGoal.builder()
+                .user(user)
+                .category(savedCategory)
+                .goalMonth(LocalDate.now().withDayOfMonth(1)) // custom 카테고리를 생성한 현재 달(지금)로 설정
+                .goalAmount(0L)
+                .consumeAmount(0L)
+                .build();
+
+        consumptionGoalRepository.save(consumptionGoal);
+
         return categoryConverter.toCategoryResponseDTO(savedCategory);
     }
 
diff --git a/src/main/java/com/bbteam/budgetbuddies/domain/consumptiongoal/converter/ConsumptionGoalConverter.java b/src/main/java/com/bbteam/budgetbuddies/domain/consumptiongoal/converter/ConsumptionGoalConverter.java
index cff4f4d3..2def3e93 100644
--- a/src/main/java/com/bbteam/budgetbuddies/domain/consumptiongoal/converter/ConsumptionGoalConverter.java
+++ b/src/main/java/com/bbteam/budgetbuddies/domain/consumptiongoal/converter/ConsumptionGoalConverter.java
@@ -3,6 +3,7 @@
 import java.time.LocalDate;
 import java.util.List;
 
+import com.bbteam.budgetbuddies.domain.consumptiongoal.dto.UserConsumptionGoalResponse;
 import org.springframework.stereotype.Component;
 
 import com.bbteam.budgetbuddies.domain.category.entity.Category;
@@ -48,4 +49,13 @@ private Long sumTotalConsumptionAmount(List<ConsumptionGoalResponseDto> consumpt
 	private Long sumTotalGoalAmount(List<ConsumptionGoalResponseDto> consumptionGoalList) {
 		return consumptionGoalList.stream().reduce(0L, (sum, c2) -> sum + c2.getGoalAmount(), Long::sum);
 	}
+
+	public UserConsumptionGoalResponse toUserConsumptionGoalResponse(ConsumptionGoal consumptionGoal) {
+		return UserConsumptionGoalResponse.builder()
+				.categoryId(consumptionGoal.getCategory().getId())
+				.goalMonth(consumptionGoal.getGoalMonth())
+				.consumeAmount(consumptionGoal.getConsumeAmount())
+				.goalAmount(consumptionGoal.getGoalAmount())
+				.build();
+	}
 }
diff --git a/src/main/java/com/bbteam/budgetbuddies/domain/consumptiongoal/dto/UserConsumptionGoalResponse.java b/src/main/java/com/bbteam/budgetbuddies/domain/consumptiongoal/dto/UserConsumptionGoalResponse.java
new file mode 100644
index 00000000..71aa00e4
--- /dev/null
+++ b/src/main/java/com/bbteam/budgetbuddies/domain/consumptiongoal/dto/UserConsumptionGoalResponse.java
@@ -0,0 +1,15 @@
+package com.bbteam.budgetbuddies.domain.consumptiongoal.dto;
+
+import lombok.Builder;
+import lombok.Getter;
+
+import java.time.LocalDate;
+
+@Getter
+@Builder
+public class UserConsumptionGoalResponse {
+    private Long categoryId;
+    private LocalDate goalMonth;
+    private Long consumeAmount;
+    private Long goalAmount;
+}
\ No newline at end of file
diff --git a/src/main/java/com/bbteam/budgetbuddies/domain/user/controller/UserController.java b/src/main/java/com/bbteam/budgetbuddies/domain/user/controller/UserController.java
new file mode 100644
index 00000000..2f517ecc
--- /dev/null
+++ b/src/main/java/com/bbteam/budgetbuddies/domain/user/controller/UserController.java
@@ -0,0 +1,23 @@
+package com.bbteam.budgetbuddies.domain.user.controller;
+
+import com.bbteam.budgetbuddies.domain.consumptiongoal.dto.UserConsumptionGoalResponse;
+import com.bbteam.budgetbuddies.domain.user.service.UserService;
+import lombok.RequiredArgsConstructor;
+import org.springframework.http.ResponseEntity;
+import org.springframework.web.bind.annotation.*;
+
+        import java.util.List;
+
+@RestController
+@RequestMapping("/users")
+@RequiredArgsConstructor
+public class UserController {
+
+    private final UserService userService;
+
+    @PostMapping("/{userId}/add/default-categories/consumption-goal")
+    public ResponseEntity<List<UserConsumptionGoalResponse>> createConsumptionGoals(@PathVariable Long userId) {
+        List<UserConsumptionGoalResponse> consumptionGoals = userService.createConsumptionGoalWithDefaultGoals(userId);
+        return ResponseEntity.ok(consumptionGoals);
+    }
+}
diff --git a/src/main/java/com/bbteam/budgetbuddies/domain/user/controller/package-info.java b/src/main/java/com/bbteam/budgetbuddies/domain/user/controller/package-info.java
deleted file mode 100644
index f734f3e8..00000000
--- a/src/main/java/com/bbteam/budgetbuddies/domain/user/controller/package-info.java
+++ /dev/null
@@ -1 +0,0 @@
-package com.bbteam.budgetbuddies.domain.user.controller;
\ No newline at end of file
diff --git a/src/main/java/com/bbteam/budgetbuddies/domain/user/service/UserService.java b/src/main/java/com/bbteam/budgetbuddies/domain/user/service/UserService.java
new file mode 100644
index 00000000..c8da6a48
--- /dev/null
+++ b/src/main/java/com/bbteam/budgetbuddies/domain/user/service/UserService.java
@@ -0,0 +1,8 @@
+package com.bbteam.budgetbuddies.domain.user.service;
+import com.bbteam.budgetbuddies.domain.consumptiongoal.dto.UserConsumptionGoalResponse;
+
+import java.util.List;
+
+public interface UserService {
+    List<UserConsumptionGoalResponse> createConsumptionGoalWithDefaultGoals(Long userId);
+}
diff --git a/src/main/java/com/bbteam/budgetbuddies/domain/user/service/UserServiceImpl.java b/src/main/java/com/bbteam/budgetbuddies/domain/user/service/UserServiceImpl.java
new file mode 100644
index 00000000..db6efe96
--- /dev/null
+++ b/src/main/java/com/bbteam/budgetbuddies/domain/user/service/UserServiceImpl.java
@@ -0,0 +1,51 @@
+package com.bbteam.budgetbuddies.domain.user.service;
+
+import com.bbteam.budgetbuddies.domain.category.entity.Category;
+import com.bbteam.budgetbuddies.domain.category.repository.CategoryRepository;
+import com.bbteam.budgetbuddies.domain.consumptiongoal.converter.ConsumptionGoalConverter;
+import com.bbteam.budgetbuddies.domain.consumptiongoal.dto.UserConsumptionGoalResponse;
+import com.bbteam.budgetbuddies.domain.consumptiongoal.entity.ConsumptionGoal;
+import com.bbteam.budgetbuddies.domain.consumptiongoal.repository.ConsumptionGoalRepository;
+import com.bbteam.budgetbuddies.domain.user.entity.User;
+import com.bbteam.budgetbuddies.domain.user.repository.UserRepository;
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+import java.time.LocalDate;
+import java.util.List;
+import java.util.stream.Collectors;
+
+@Service
+@RequiredArgsConstructor
+public class UserServiceImpl implements UserService {
+
+    private final UserRepository userRepository;
+    private final CategoryRepository categoryRepository;
+    private final ConsumptionGoalRepository consumptionGoalRepository;
+    private final ConsumptionGoalConverter consumptionGoalConverter;
+
+    @Override
+    @Transactional
+    public List<UserConsumptionGoalResponse> createConsumptionGoalWithDefaultGoals(Long userId) {
+        User user = userRepository.findById(userId)
+                .orElseThrow(() -> new IllegalArgumentException("User not found"));
+
+        List<Category> defaultCategories = categoryRepository.findAllByIsDefaultTrue();
+        List<ConsumptionGoal> consumptionGoals = defaultCategories.stream()
+                .map(category -> ConsumptionGoal.builder()
+                        .user(user)
+                        .category(category)
+                        .goalMonth(LocalDate.now().withDayOfMonth(1))
+                        .consumeAmount(0L)
+                        .goalAmount(0L)
+                        .build())
+                .collect(Collectors.toList());
+
+        List<ConsumptionGoal> savedConsumptionGoals = consumptionGoalRepository.saveAll(consumptionGoals);
+
+        return savedConsumptionGoals.stream()
+                .map(consumptionGoalConverter::toUserConsumptionGoalResponse)
+                .collect(Collectors.toList());
+    }
+}
diff --git a/src/main/java/com/bbteam/budgetbuddies/domain/user/service/package-info.java b/src/main/java/com/bbteam/budgetbuddies/domain/user/service/package-info.java
deleted file mode 100644
index ddb7edf6..00000000
--- a/src/main/java/com/bbteam/budgetbuddies/domain/user/service/package-info.java
+++ /dev/null
@@ -1 +0,0 @@
-package com.bbteam.budgetbuddies.domain.user.service;
\ No newline at end of file