diff --git a/components/TransactionListRow.vue b/components/TransactionListRow.vue
new file mode 100644
index 0000000..69af120
--- /dev/null
+++ b/components/TransactionListRow.vue
@@ -0,0 +1,59 @@
+<template>
+  <NuxtLink
+    :to="`/transactions/${transaction.id}`"
+    class="grid grid-cols-[2.5rem_minmax(0,1fr)_auto] items-start gap-3 px-4 py-3 active:bg-paper md:px-5"
+  >
+    <div
+      class="mt-0.5 flex h-10 w-10 items-center justify-center rounded-md bg-paper text-sm font-bold"
+      :class="transaction.type === 'income' ? 'text-brand-700' : 'text-muted'"
+      aria-hidden="true"
+    >
+      {{ categoryInitial }}
+    </div>
+
+    <div class="min-w-0">
+      <p class="truncate text-[15px] font-bold leading-5 text-ink">
+        {{ transaction.title }}
+      </p>
+      <p class="mt-1 truncate text-xs font-medium leading-5 text-muted">
+        {{ metaLine }}
+      </p>
+      <p v-if="memoPreview" class="mt-1 truncate text-xs font-medium leading-5 text-muted">
+        {{ memoPreview }}
+      </p>
+    </div>
+
+    <p
+      class="whitespace-nowrap pt-0.5 text-right text-[15px] font-bold leading-5"
+      :class="transaction.type === 'income' ? 'text-brand-700' : 'text-ink'"
+    >
+      {{ formatWon(transaction.amount) }}
+    </p>
+  </NuxtLink>
+</template>
+
+<script setup lang="ts">
+import type { Transaction } from '~/composables/useMoney'
+
+const props = defineProps<{
+  transaction: Transaction
+}>()
+
+const categoryLabel = computed(() => {
+  const category = props.transaction.category
+  return category.parent ? `${category.parent.name} > ${category.name}` : category.name
+})
+
+const categoryInitial = computed(() => {
+  const category = props.transaction.category
+  const name = category.parent?.name || category.name || (props.transaction.type === 'income' ? '수' : '지')
+  return name.slice(0, 1)
+})
+
+const metaLine = computed(() => {
+  const time = new Intl.DateTimeFormat('ko-KR', { hour: '2-digit', minute: '2-digit' }).format(new Date(props.transaction.occurredAt))
+  return [time, props.transaction.asset.name, categoryLabel.value].filter(Boolean).join(' · ')
+})
+
+const memoPreview = computed(() => props.transaction.memo?.trim().slice(0, 60) || '')
+</script>
diff --git a/docs/changelog.md b/docs/changelog.md
index 829916d..fef01b5 100644
--- a/docs/changelog.md
+++ b/docs/changelog.md
@@ -19,3 +19,5 @@
 - 바텀 시트 선택 버튼에서 하단 화살표를 제거했다.
 - 로그인 화면이 하단 탭 여백 때문에 스크롤되는 문제를 수정했다.
 - 입력 중 스크롤이 튀는 현상을 줄이기 위해 바텀 시트 body overflow 변경과 추가 화면 sticky 저장 버튼을 제거했다.
+- 거래 목록 행을 날짜 그룹, 카테고리 아이콘 자리, 기본 2줄 정보, 메모가 있을 때만 보이는 3번째 줄 구조로 변경했다.
+- 메모 입력과 저장 길이를 최대 60자로 제한했다.
diff --git a/pages/add.vue b/pages/add.vue
index f740a64..deccf07 100644
--- a/pages/add.vue
+++ b/pages/add.vue
@@ -64,7 +64,7 @@
 
       <div>
         <label class="label" for="memo">메모</label>
-        <textarea id="memo" v-model="form.memo" class="field min-h-24 resize-none" placeholder="자유롭게 기록"></textarea>
+        <textarea id="memo" v-model="form.memo" class="field min-h-24 resize-none" maxlength="60" placeholder="자유롭게 기록"></textarea>
       </div>
 
       <button class="btn-primary mt-5 w-full" type="submit" :disabled="pending">
diff --git a/pages/assets.vue b/pages/assets.vue
index aab3d9c..0863412 100644
--- a/pages/assets.vue
+++ b/pages/assets.vue
@@ -90,23 +90,11 @@
             </div>
           </div>
 
-          <NuxtLink
+          <TransactionListRow
             v-for="tx in group.items"
             :key="tx.id"
-            :to="`/transactions/${tx.id}`"
-            class="grid grid-cols-[1fr_auto] gap-3 px-4 py-3"
-          >
-            <div class="min-w-0">
-              <p class="truncate font-semibold">{{ tx.title }}</p>
-              <p class="mt-1 truncate text-sm text-muted">{{ categoryLabel(tx.category) }}</p>
-            </div>
-            <div class="text-right">
-              <p class="font-bold" :class="tx.type === 'income' ? 'text-brand-700' : 'text-red-600'">
-                {{ formatWon(tx.amount) }}
-              </p>
-              <p class="mt-1 text-sm text-muted">{{ timeLabel(tx.occurredAt) }}</p>
-            </div>
-          </NuxtLink>
+            :transaction="tx"
+          />
         </section>
 
         <p v-if="!assetTransactions.length" class="px-4 py-12 text-center text-muted">
@@ -153,7 +141,7 @@
 
 <script setup lang="ts">
 import { addMonths, format, parse } from 'date-fns'
-import type { Category, Transaction } from '~/composables/useMoney'
+import type { Transaction } from '~/composables/useMoney'
 
 const selectedMonth = ref(monthKey())
 const selectedAssetId = ref('')
@@ -220,11 +208,4 @@ function selectPickerMonth(month: number) {
   monthPickerOpen.value = false
 }
 
-function timeLabel(value: string) {
-  return new Intl.DateTimeFormat('ko-KR', { hour: '2-digit', minute: '2-digit' }).format(new Date(value))
-}
-
-function categoryLabel(category: Category & { parent?: Category | null }) {
-  return category.parent ? `${category.parent.name} > ${category.name}` : category.name
-}
 </script>
diff --git a/pages/index.vue b/pages/index.vue
index d036ade..9fc98fa 100644
--- a/pages/index.vue
+++ b/pages/index.vue
@@ -22,28 +22,17 @@
       </div>
     </header>
 
-    <div class="divide-y divide-line">
-      <NuxtLink
-        v-for="tx in data?.transactions"
-        :key="tx.id"
-        :to="`/transactions/${tx.id}`"
-        class="grid grid-cols-[1fr_auto] gap-3 px-4 py-3"
-      >
-        <div class="min-w-0">
-          <p class="truncate font-semibold text-ink">{{ tx.title }}</p>
-          <p class="mt-1 text-xs text-muted">
-            {{ timeLabel(tx.occurredAt) }} · {{ tx.asset.name }}
-          </p>
-          <p class="mt-1 truncate text-xs text-muted">
-            {{ categoryLabel(tx.category) }}
-          </p>
-        </div>
-        <div class="text-right">
-          <p class="font-bold" :class="tx.type === 'income' ? 'text-brand-700' : 'text-red-600'">
-            {{ tx.type === 'income' ? '+' : '-' }}{{ formatWon(tx.amount) }}
-          </p>
-        </div>
-      </NuxtLink>
+    <div class="divide-y divide-line bg-white">
+      <section v-for="group in groupedTransactions" :key="group.date" class="py-2">
+        <h2 class="px-4 py-3 text-sm font-semibold text-muted md:px-5">
+          {{ group.label }}
+        </h2>
+        <TransactionListRow
+          v-for="tx in group.items"
+          :key="tx.id"
+          :transaction="tx"
+        />
+      </section>
     </div>
 
     <div v-if="!data?.transactions.length" class="px-4 py-16 text-center text-muted">
@@ -54,24 +43,36 @@
 
 <script setup lang="ts">
 import { addMonths, format, parse } from 'date-fns'
-import type { Category } from '~/composables/useMoney'
+import type { Transaction } from '~/composables/useMoney'
 
 const selectedMonth = ref(monthKey())
 const { data } = await useFetch('/api/transactions', {
   query: { month: selectedMonth }
 })
 
+const groupedTransactions = computed(() => {
+  const groups = new Map<string, { date: string; label: string; items: Transaction[] }>()
+  for (const tx of data.value?.transactions || []) {
+    const date = new Date(tx.occurredAt)
+    const key = format(date, 'yyyy-MM-dd')
+    const group = groups.get(key) || { date: key, label: dateLabel(date), items: [] }
+    group.items.push(tx)
+    groups.set(key, group)
+  }
+  return Array.from(groups.values()).sort((a, b) => b.date.localeCompare(a.date))
+})
+
 function moveMonth(amount: number) {
   const date = parse(selectedMonth.value, 'yyyy-MM', new Date())
   selectedMonth.value = format(addMonths(date, amount), 'yyyy-MM')
 }
 
-function timeLabel(value: string) {
-  return new Intl.DateTimeFormat('ko-KR', { hour: '2-digit', minute: '2-digit' }).format(new Date(value))
+function dateLabel(date: Date) {
+  const key = format(date, 'yyyy-MM-dd')
+  const today = format(new Date(), 'yyyy-MM-dd')
+  const yesterday = format(new Date(Date.now() - 24 * 60 * 60 * 1000), 'yyyy-MM-dd')
+  const weekday = new Intl.DateTimeFormat('ko-KR', { weekday: 'short' }).format(date)
+  const relative = key === today ? ' · 오늘' : key === yesterday ? ' · 어제' : ''
+  return `${format(date, 'M. d')}(${weekday})${relative}`
 }
-
-function categoryLabel(category: Category & { parent?: Category | null }) {
-  return category.parent ? `${category.parent.name} > ${category.name}` : category.name
-}
-
 </script>
diff --git a/pages/transactions/[id].vue b/pages/transactions/[id].vue
index aa47759..e45a9a6 100644
--- a/pages/transactions/[id].vue
+++ b/pages/transactions/[id].vue
@@ -62,7 +62,7 @@
 
       <div class="mt-4 border-y border-line py-4">
         <label class="mb-2 block text-sm font-semibold text-muted" for="memo">메모</label>
-        <textarea id="memo" v-model="form.memo" class="field min-h-24 resize-none" placeholder="메모"></textarea>
+        <textarea id="memo" v-model="form.memo" class="field min-h-24 resize-none" maxlength="60" placeholder="메모"></textarea>
       </div>
 
       <div v-if="locationLabel" class="mt-3 flex items-center justify-between border-b border-line py-4">
diff --git a/server/api/transactions/[id].patch.ts b/server/api/transactions/[id].patch.ts
index e0da561..ae3a4b4 100644
--- a/server/api/transactions/[id].patch.ts
+++ b/server/api/transactions/[id].patch.ts
@@ -42,7 +42,7 @@ export default defineEventHandler(async (event) => {
       categoryId: body.categoryId,
       amount: Number(body.amount),
       title: body.title.trim(),
-      memo: body.memo?.trim() || null,
+      memo: body.memo?.trim().slice(0, 60) || null,
       latitude: body.latitude ?? null,
       longitude: body.longitude ?? null
     },
diff --git a/server/api/transactions/index.post.ts b/server/api/transactions/index.post.ts
index db93dcb..c289c06 100644
--- a/server/api/transactions/index.post.ts
+++ b/server/api/transactions/index.post.ts
@@ -38,7 +38,7 @@ export default defineEventHandler(async (event) => {
       categoryId: body.categoryId,
       amount: Number(body.amount),
       title: body.title.trim(),
-      memo: body.memo?.trim() || null,
+      memo: body.memo?.trim().slice(0, 60) || null,
       latitude: body.latitude ?? null,
       longitude: body.longitude ?? null
     }