diff --git a/src/accounting-app/views/RecordPage.vue b/src/accounting-app/views/RecordPage.vue
index 071299e..788451d 100644
--- a/src/accounting-app/views/RecordPage.vue
+++ b/src/accounting-app/views/RecordPage.vue
@@ -1,21 +1,52 @@
 <script setup lang="ts">
-import { ref } from 'vue'
+import { ref, computed, onMounted } from 'vue'
 import { useI18n } from 'vue-i18n'
 import { useTimeAgo } from '@vueuse/core'
-import { DollarSign, TrendingUp, FileText, Trash2, Image as ImageIcon } from 'lucide-vue-next'
+import { DollarSign, TrendingUp, Lock, FileText, Trash2, Image as ImageIcon } from 'lucide-vue-next'
 import { Badge } from '@/components/ui/badge'
 import { Button } from '@/components/ui/button'
 import { Separator } from '@/components/ui/separator'
 import AddExpense from '@/modules/expenses/components/AddExpense.vue'
 import AddIncome from './AddIncome.vue'
 import { useExpenseDrafts, type ExpenseDraft } from '../composables/useExpenseDrafts'
+import { useAuth } from '@/composables/useAuthService'
+import { injectService, SERVICE_TOKENS } from '@/core/di-container'
+import type { ExpensesAPI } from '@/modules/expenses/services/ExpensesAPI'
 
 const { t } = useI18n()
 const { drafts, hasDrafts, deleteDraft } = useExpenseDrafts()
+const { user } = useAuth()
+const expensesAPI = injectService<ExpensesAPI>(SERVICE_TOKENS.EXPENSES_API)
 
 const showAddExpense = ref(false)
 const showAddIncome = ref(false)
 
+const permissionsLoaded = ref(false)
+const canSubmitExpense = ref(true)
+const canSubmitIncome = ref(true)
+
+const expenseDisabled = computed(() => permissionsLoaded.value && !canSubmitExpense.value)
+const incomeDisabled = computed(() => permissionsLoaded.value && !canSubmitIncome.value)
+
+onMounted(async () => {
+  const walletKey = user.value?.wallets?.[0]?.inkey
+  if (!walletKey) return
+
+  try {
+    const accounts = await expensesAPI.getAccounts(walletKey, true, true)
+    canSubmitExpense.value = accounts.some(
+      (a) => a.name === 'Expenses' || a.name.startsWith('Expenses:')
+    )
+    canSubmitIncome.value = accounts.some(
+      (a) => a.name === 'Income' || a.name.startsWith('Income:')
+    )
+  } catch (error) {
+    console.error('[RecordPage] Failed to load user permissions:', error)
+  } finally {
+    permissionsLoaded.value = true
+  }
+})
+
 function handleExpenseSubmitted() {
   // Could refresh balance or show notification
 }
@@ -50,32 +81,68 @@ function draftTimeAgo(isoDate: string) {
     <!-- Action Cards -->
     <div class="grid gap-4">
       <!-- Add Expense Card -->
-      <button
-        class="flex items-start gap-4 p-5 rounded-xl border bg-card text-left transition-colors hover:bg-accent/50 active:bg-accent/70"
-        @click="showAddExpense = true"
-      >
-        <div class="flex items-center justify-center w-12 h-12 rounded-full bg-red-100 dark:bg-red-900/20 shrink-0">
-          <DollarSign class="w-6 h-6 text-red-600 dark:text-red-400" />
+      <div>
+        <button
+          class="w-full flex items-start gap-4 p-5 rounded-xl border bg-card text-left transition-colors"
+          :class="expenseDisabled
+            ? 'opacity-60 cursor-not-allowed'
+            : 'hover:bg-accent/50 active:bg-accent/70'"
+          :disabled="expenseDisabled"
+          @click="!expenseDisabled && (showAddExpense = true)"
+        >
+          <div
+            class="flex items-center justify-center w-12 h-12 rounded-full shrink-0"
+            :class="expenseDisabled ? 'bg-muted' : 'bg-red-100 dark:bg-red-900/20'"
+          >
+            <DollarSign
+              class="w-6 h-6"
+              :class="expenseDisabled ? 'text-muted-foreground' : 'text-red-600 dark:text-red-400'"
+            />
+          </div>
+          <div class="min-w-0">
+            <h2 class="text-lg font-semibold text-foreground">{{ t('libra.record.addExpense') }}</h2>
+            <p class="text-sm text-muted-foreground mt-0.5">{{ t('libra.record.addExpenseDescription') }}</p>
+          </div>
+        </button>
+        <div v-if="expenseDisabled" class="mt-2 flex items-start gap-1.5 px-1">
+          <Lock class="w-3 h-3 mt-0.5 shrink-0 text-muted-foreground" />
+          <p class="text-[11px] leading-snug text-muted-foreground">
+            You don't have permission to submit expenses. Contact your administrator to request access.
+          </p>
         </div>
-        <div class="min-w-0">
-          <h2 class="text-lg font-semibold text-foreground">{{ t('libra.record.addExpense') }}</h2>
-          <p class="text-sm text-muted-foreground mt-0.5">{{ t('libra.record.addExpenseDescription') }}</p>
-        </div>
-      </button>
+      </div>
 
       <!-- Add Income Card -->
-      <button
-        class="flex items-start gap-4 p-5 rounded-xl border bg-card text-left transition-colors hover:bg-accent/50 active:bg-accent/70"
-        @click="showAddIncome = true"
-      >
-        <div class="flex items-center justify-center w-12 h-12 rounded-full bg-green-100 dark:bg-green-900/20 shrink-0">
-          <TrendingUp class="w-6 h-6 text-green-600 dark:text-green-400" />
+      <div>
+        <button
+          class="w-full flex items-start gap-4 p-5 rounded-xl border bg-card text-left transition-colors"
+          :class="incomeDisabled
+            ? 'opacity-60 cursor-not-allowed'
+            : 'hover:bg-accent/50 active:bg-accent/70'"
+          :disabled="incomeDisabled"
+          @click="!incomeDisabled && (showAddIncome = true)"
+        >
+          <div
+            class="flex items-center justify-center w-12 h-12 rounded-full shrink-0"
+            :class="incomeDisabled ? 'bg-muted' : 'bg-green-100 dark:bg-green-900/20'"
+          >
+            <TrendingUp
+              class="w-6 h-6"
+              :class="incomeDisabled ? 'text-muted-foreground' : 'text-green-600 dark:text-green-400'"
+            />
+          </div>
+          <div class="min-w-0 flex-1">
+            <h2 class="text-lg font-semibold text-foreground">{{ t('libra.record.addIncome') }}</h2>
+            <p class="text-sm text-muted-foreground mt-0.5">{{ t('libra.record.addIncomeDescription') }}</p>
+          </div>
+        </button>
+        <div v-if="incomeDisabled" class="mt-2 flex items-start gap-1.5 px-1">
+          <Lock class="w-3 h-3 mt-0.5 shrink-0 text-muted-foreground" />
+          <p class="text-[11px] leading-snug text-muted-foreground">
+            You don't have permission to record income. Contact your administrator to request access.
+          </p>
         </div>
-        <div class="min-w-0 flex-1">
-          <h2 class="text-lg font-semibold text-foreground">{{ t('libra.record.addIncome') }}</h2>
-          <p class="text-sm text-muted-foreground mt-0.5">{{ t('libra.record.addIncomeDescription') }}</p>
-        </div>
-      </button>
+      </div>
     </div>
 
     <!-- Drafts Section -->