diff --git a/server/src/reminder.js b/server/src/reminder.js
index 40e580c..c3f64f4 100644
--- a/server/src/reminder.js
+++ b/server/src/reminder.js
@@ -1,8 +1,8 @@
 const cron = require('node-cron')
 const db = require('./db')
 const wx = require('./wx')
-const lunar = require('./lunar')
 const occurrence = require('./occurrence')
+const quota = require('./quota')
 
 const TEMPLATE_ID = process.env.WX_TEMPLATE_ID
 const MINIPROGRAM_STATE = process.env.WX_MINIPROGRAM_STATE || 'formal'
@@ -43,71 +43,128 @@ const insertLog = db.prepare(`
   VALUES (@anniversaryId, @personName, @typeName, @daysUntil, @sendDate, @status, @error)
 `)
 
-async function runOnce() {
-  console.log('[reminder] 开始扫描纪念日...')
+// 重要程度排序权重，未知值排最后
+const IMPORTANCE_RANK = { high: 0, medium: 1, low: 2 }
+function importanceRank(v) {
+  return IMPORTANCE_RANK[v] === undefined ? 3 : IMPORTANCE_RANK[v]
+}
 
-  const list = db.prepare('SELECT * FROM anniversaries WHERE remindEnabled = 1').all()
-  console.log(`[reminder] 启用提醒的纪念日 ${list.length} 条`)
+// 43101 = 用户拒收或下发次数不足，是我们与微信侧对账的唯一信号
+function isQuotaError(err) {
+  return err && err.errcode === 43101
+}
 
-  let ok = 0
-  let fail = 0
+/**
+ * 处理单个用户的当日提醒
+ *
+ * 按「当天 > 提前」、同级「重要程度降序」排序后依次发送，余额耗尽即停，
+ * 不在明知没额度时继续打无谓请求。
+ */
+async function runForUser(openid, items, today = new Date()) {
+  const due = []
+  for (const anniv of items) {
+    const target = occurrence.getNextOccurrence(anniv, today)
+    const daysUntil = occurrence.daysBetween(target, today)
+    const remindDays = anniv.remindDays || 0
 
-  for (const anniv of list) {
+    const isOnDay = daysUntil === 0
+    const isAhead = remindDays > 0 && daysUntil === remindDays
+    if (!isOnDay && !isAhead) continue
+    if (alreadySentToday(anniv.id)) continue
+
+    due.push({ anniv, target, daysUntil, kind: isOnDay ? 'onDay' : 'ahead' })
+  }
+
+  due.sort((x, y) => {
+    if (x.kind !== y.kind) return x.kind === 'onDay' ? -1 : 1
+    return importanceRank(x.anniv.importance) - importanceRank(y.anniv.importance)
+  })
+
+  let balance = quota.getBalance(openid)
+  let halted = false
+  let ok = 0, fail = 0, skipped = 0
+
+  const logSkip = (item) => insertLog.run({
+    anniversaryId: item.anniv.id,
+    personName: item.anniv.personName,
+    typeName: getTypeName(item.anniv.type, item.anniv.customTypeName),
+    daysUntil: item.daysUntil,
+    sendDate: Date.now(),
+    status: 'skipped',
+    error: 'quota_exhausted'
+  })
+
+  for (const item of due) {
+    if (halted || balance <= 0) {
+      logSkip(item); skipped++
+      continue
+    }
+
+    const anniv = item.anniv
+    const typeName = getTypeName(anniv.type, anniv.customTypeName)
     try {
-      const target = occurrence.getNextOccurrence(anniv)
-      const daysUntil = occurrence.daysBetween(target)
-
-      const shouldRemind = (daysUntil === 0) || (daysUntil === (anniv.remindDays || 0))
-      if (!shouldRemind) continue
-
-      if (alreadySentToday(anniv.id)) {
-        console.log(`[reminder] 今天已发过，跳过: ${anniv.personName}`)
-        continue
-      }
-
-      const typeName = getTypeName(anniv.type, anniv.customTypeName)
-
       await wx.sendSubscribeMessage({
-        touser: anniv.openid,
+        touser: openid,
         page: 'pages/index/index',
         templateId: TEMPLATE_ID,
         miniprogramState: MINIPROGRAM_STATE,
         data: {
           name1:  { value: anniv.personName },
-          thing2: { value: daysUntil === 0 ? '今天' : `还有${daysUntil}天` },
-          thing6: { value: formatDate(target) },
+          thing2: { value: item.daysUntil === 0 ? '今天' : `还有${item.daysUntil}天` },
+          thing6: { value: formatDate(item.target) },
           thing5: { value: anniv.remark || '别忘了准备一份礼物哦！' }
         }
       })
-
+      quota.consume(openid, 1)
+      balance--
       insertLog.run({
-        anniversaryId: anniv.id,
-        personName: anniv.personName,
-        typeName,
-        daysUntil,
-        sendDate: Date.now(),
-        status: 'success',
-        error: null
+        anniversaryId: anniv.id, personName: anniv.personName, typeName,
+        daysUntil: item.daysUntil, sendDate: Date.now(), status: 'success', error: null
       })
       ok++
-      console.log(`[reminder] 发送成功: ${anniv.personName} (${typeName}, ${daysUntil}天)`)
+      console.log(`[reminder] 发送成功: ${anniv.personName} (${typeName}, ${item.daysUntil}天)`)
     } catch (err) {
-      fail++
-      console.error(`[reminder] 发送失败: ${anniv.personName}`, err.message)
-      insertLog.run({
-        anniversaryId: anniv.id,
-        personName: anniv.personName,
-        typeName: null,
-        daysUntil: null,
-        sendDate: Date.now(),
-        status: 'failed',
-        error: err.message
-      })
+      if (isQuotaError(err)) {
+        // 微信侧实际已无额度（或用户关了通知总开关），归零并停止骚扰
+        quota.reset(openid)
+        balance = 0
+        halted = true
+        logSkip(item); skipped++
+        console.warn(`[reminder] ${openid} 额度已耗尽，本轮剩余全部跳过`)
+      } else {
+        insertLog.run({
+          anniversaryId: anniv.id, personName: anniv.personName, typeName: null,
+          daysUntil: null, sendDate: Date.now(), status: 'failed', error: err.message
+        })
+        fail++
+        console.error(`[reminder] 发送失败: ${anniv.personName}`, err.message)
+      }
     }
   }
 
-  console.log(`[reminder] 完成: 成功 ${ok}, 失败 ${fail}`)
-  return { total: list.length, ok, fail }
+  return { ok, fail, skipped }
+}
+
+async function runOnce() {
+  console.log('[reminder] 开始扫描纪念日...')
+  const list = db.prepare('SELECT * FROM anniversaries WHERE remindEnabled = 1').all()
+  console.log(`[reminder] 启用提醒的纪念日 ${list.length} 条`)
+
+  // 额度是按用户算的，所以必须分组处理
+  const byOpenid = new Map()
+  for (const a of list) {
+    if (!byOpenid.has(a.openid)) byOpenid.set(a.openid, [])
+    byOpenid.get(a.openid).push(a)
+  }
+
+  let ok = 0, fail = 0, skipped = 0
+  for (const [openid, items] of byOpenid) {
+    const r = await runForUser(openid, items)
+    ok += r.ok; fail += r.fail; skipped += r.skipped
+  }
+
+  console.log(`[reminder] 完成: 成功 ${ok}, 失败 ${fail}, 跳过 ${skipped}`)
+  return { total: list.length, ok, fail, skipped }
 }
 
 function start() {
@@ -120,4 +177,4 @@ function start() {
   console.log(`[reminder] 定时任务已注册: ${expr} (Asia/Shanghai)`)
 }
 
-module.exports = { start, runOnce }
+module.exports = { start, runOnce, runForUser }
diff --git a/server/src/wx.js b/server/src/wx.js
index fb77a4f..4ec80be 100644
--- a/server/src/wx.js
+++ b/server/src/wx.js
@@ -49,7 +49,9 @@ async function sendSubscribeMessage({ touser, page, data, templateId, miniprogra
   }
   const { data: res } = await axios.post(url, body, { timeout: 8000 })
   if (res.errcode !== 0) {
-    throw new Error(`发送订阅消息失败: ${JSON.stringify(res)}`)
+    const err = new Error(`发送订阅消息失败: ${JSON.stringify(res)}`)
+    err.errcode = res.errcode // 让调用方能精确判断 43101，而不是靠字符串匹配
+    throw err
   }
   return res
 }
diff --git a/server/test/reminder.test.js b/server/test/reminder.test.js
new file mode 100644
index 0000000..f089f44
--- /dev/null
+++ b/server/test/reminder.test.js
@@ -0,0 +1,131 @@
+const test = require('node:test')
+const assert = require('node:assert')
+const { useTempDb } = require('./helper')
+
+useTempDb()
+const db = require('../src/db')
+const wx = require('../src/wx')
+const quota = require('../src/quota')
+const reminder = require('../src/reminder')
+
+// 用「今天」为基准造数据，保证 daysUntil 落在期望值上
+const TODAY = new Date()
+const inDays = (n) => new Date(TODAY.getTime() + n * 86400000)
+
+function makeAnniv(id, openid, personName, importance, offsetDays, remindDays) {
+  const d = inDays(offsetDays)
+  return {
+    id, openid, personId: 'p', personName, type: 'birthday',
+    isLunar: 0, solarYear: d.getFullYear(), solarMonth: d.getMonth() + 1, solarDay: d.getDate(),
+    importance, remindEnabled: 1, remindDays
+  }
+}
+
+function resetLogs() {
+  db.prepare('DELETE FROM remind_logs').run()
+}
+
+test('额度够时全部发出', async () => {
+  resetLogs()
+  quota.grant('uA', 5)
+  const sent = []
+  const restore = wx.sendSubscribeMessage
+  wx.sendSubscribeMessage = async (p) => { sent.push(p.data.name1.value); return { errcode: 0 } }
+
+  const items = [
+    makeAnniv('A1', 'uA', '甲', 'low', 0, 3),
+    makeAnniv('A2', 'uA', '乙', 'high', 0, 3)
+  ]
+  const r = await reminder.runForUser('uA', items, TODAY)
+  wx.sendSubscribeMessage = restore
+
+  assert.strictEqual(r.ok, 2)
+  assert.strictEqual(r.skipped, 0)
+  assert.strictEqual(quota.getBalance('uA'), 3)
+})
+
+test('额度不足时当天优先、同级按重要程度', async () => {
+  resetLogs()
+  quota.grant('uB', 1)
+  const sent = []
+  const restore = wx.sendSubscribeMessage
+  wx.sendSubscribeMessage = async (p) => { sent.push(p.data.name1.value); return { errcode: 0 } }
+
+  const items = [
+    makeAnniv('B1', 'uB', '提前的', 'high', 3, 3), // 提前事件（daysUntil=3=remindDays）
+    makeAnniv('B2', 'uB', '当天低', 'low', 0, 3),  // 当天事件
+    makeAnniv('B3', 'uB', '当天高', 'high', 0, 3)  // 当天事件，重要程度更高
+  ]
+  const r = await reminder.runForUser('uB', items, TODAY)
+  wx.sendSubscribeMessage = restore
+
+  assert.strictEqual(r.ok, 1)
+  assert.strictEqual(r.skipped, 2)
+  assert.deepStrictEqual(sent, ['当天高'], '应当只发出当天且最重要的那条')
+})
+
+test('余额为 0 时不发任何请求', async () => {
+  resetLogs()
+  let called = 0
+  const restore = wx.sendSubscribeMessage
+  wx.sendSubscribeMessage = async () => { called++; return { errcode: 0 } }
+
+  const items = [makeAnniv('C1', 'uC', '丙', 'high', 0, 3)]
+  const r = await reminder.runForUser('uC', items, TODAY)
+  wx.sendSubscribeMessage = restore
+
+  assert.strictEqual(called, 0, '没额度就不该打请求')
+  assert.strictEqual(r.skipped, 1)
+})
+
+test('遇到 43101 立即归零并中止本用户剩余发送', async () => {
+  resetLogs()
+  quota.grant('uD', 9)
+  let called = 0
+  const restore = wx.sendSubscribeMessage
+  wx.sendSubscribeMessage = async () => {
+    called++
+    const e = new Error('发送订阅消息失败')
+    e.errcode = 43101
+    throw e
+  }
+
+  const items = [
+    makeAnniv('D1', 'uD', '甲', 'high', 0, 3),
+    makeAnniv('D2', 'uD', '乙', 'high', 0, 3),
+    makeAnniv('D3', 'uD', '丙', 'high', 0, 3)
+  ]
+  const r = await reminder.runForUser('uD', items, TODAY)
+  wx.sendSubscribeMessage = restore
+
+  assert.strictEqual(called, 1, '失败一次就该停，不该继续打请求')
+  assert.strictEqual(quota.getBalance('uD'), 0, '余额应被归零校正')
+  assert.strictEqual(r.skipped, 3, '含失败那条在内全部计为 skipped')
+})
+
+test('非额度类错误只记 failed，不动余额', async () => {
+  resetLogs()
+  quota.grant('uE', 4)
+  const restore = wx.sendSubscribeMessage
+  wx.sendSubscribeMessage = async () => {
+    const e = new Error('网络炸了')
+    e.errcode = 40003
+    throw e
+  }
+
+  const items = [makeAnniv('E1', 'uE', '甲', 'high', 0, 3)]
+  const r = await reminder.runForUser('uE', items, TODAY)
+  wx.sendSubscribeMessage = restore
+
+  assert.strictEqual(r.fail, 1)
+  assert.strictEqual(quota.getBalance('uE'), 4, '配置/网络错误不该动余额')
+})
+
+test('skipped 会写入 remind_logs 便于排查', async () => {
+  resetLogs()
+  const items = [makeAnniv('F1', 'uF', '甲', 'high', 0, 3)]
+  await reminder.runForUser('uF', items, TODAY)
+  const row = db.prepare("SELECT * FROM remind_logs WHERE status = 'skipped'").get()
+  assert.ok(row, '应写入 skipped 日志')
+  assert.strictEqual(row.error, 'quota_exhausted')
+})