diff --git a/app/game-api/src/router/inherit/index.ts b/app/game-api/src/router/inherit/index.ts
index 4346c992..3bec23ca 100644
--- a/app/game-api/src/router/inherit/index.ts
+++ b/app/game-api/src/router/inherit/index.ts
@@ -271,12 +271,27 @@ export const inheritRouter = router({
             throw new TRPCError({ code: 'PRECONDITION_FAILED', message: '장수가 존재하지 않습니다.' });
         }
 
+        const rankRows = await ctx.db.rankData.findMany({
+            where: {
+                generalId: general.id,
+                type: { in: ['warnum', 'firenum', 'betwin', 'betgold', 'betwingold'] },
+            },
+            select: { type: true, value: true },
+        });
+        const calculationMeta = {
+            ...asRecord(general.meta),
+            ...Object.fromEntries(rankRows.map((row) => [row.type, row.value])),
+            ...Object.fromEntries(rankRows.map((row) => [`rank_${row.type}`, row.value])),
+        };
+
         const meta = asRecord(worldState.meta);
-        const isUnited = typeof meta.isUnited === 'number' && meta.isUnited !== 0;
+        const isUnited =
+            (typeof meta.isUnited === 'number' && meta.isUnited !== 0) ||
+            (typeof meta.isunited === 'number' && meta.isunited !== 0);
         const items = await computeInheritanceItems({
             db: ctx.db,
             userId,
-            generalMeta: asRecord(general.meta),
+            generalMeta: calculationMeta,
             isUnited,
         });
         const totalPoint = sumInheritanceItems(items);
diff --git a/app/game-api/src/services/inheritance.ts b/app/game-api/src/services/inheritance.ts
index e6b2bde9..fce6c558 100644
--- a/app/game-api/src/services/inheritance.ts
+++ b/app/game-api/src/services/inheritance.ts
@@ -1,5 +1,9 @@
 import { asNumber, asRecord } from '@sammo-ts/common';
 import { GamePrisma } from '@sammo-ts/infra';
+import {
+    ALL_MERGED_INHERITANCE_KEYS,
+    computeActiveInheritancePoint,
+} from '@sammo-ts/logic/inheritance/pointCalculation.js';
 import type { DatabaseClient, WorldStateRow, InputJsonValue } from '../context.js';
 
 export type InheritPointKey =
@@ -163,73 +167,34 @@ export const appendInheritanceLog = async (
     });
 };
 
-const readUserMetaValue = (meta: Record<string, unknown>, key: string): number => {
-    const value = meta[key];
-    if (typeof value !== 'number' || !Number.isFinite(value)) {
-        return 0;
-    }
-    return value;
-};
-
-const computeDexPoint = (meta: Record<string, unknown>): number => {
-    let total = 0;
-    for (const [key, value] of Object.entries(meta)) {
-        if (!key.startsWith('dex')) {
-            continue;
-        }
-        if (typeof value === 'number' && Number.isFinite(value)) {
-            total += value;
-        }
-    }
-    return total * 0.001;
-};
-
 export const computeInheritanceItems = async (options: {
     db: DatabaseClient;
     userId: string;
     generalMeta: Record<string, unknown> | null;
     isUnited: boolean;
 }): Promise<Record<InheritPointKey, number>> => {
-    const previous = await readInheritancePoint(options.db, options.userId, 'previous');
-    const unifier = await readInheritancePoint(options.db, options.userId, 'unifier');
+    const pointRows = await options.db.inheritancePoint.findMany({
+        where: { userId: options.userId },
+        select: { key: true, value: true },
+    });
+    const inheritancePoints = Object.fromEntries(pointRows.map((row) => [row.key, row.value]));
+    const previous = inheritancePoints.previous ?? 0;
+    const general = {
+        meta: options.generalMeta ?? {},
+        inheritancePoints,
+    };
 
     if (options.isUnited) {
-        return {
-            previous,
-            lived_month: 0,
-            max_domestic_critical: 0,
-            active_action: 0,
-            combat: 0,
-            sabotage: 0,
-            dex: 0,
-            unifier,
-            tournament: 0,
-            betting: 0,
-            max_belong: 0,
-        };
+        return Object.fromEntries([
+            ['previous', previous],
+            ...ALL_MERGED_INHERITANCE_KEYS.map((key) => [key, inheritancePoints[key] ?? 0] as const),
+        ]) as Record<InheritPointKey, number>;
     }
 
-    const meta = options.generalMeta ?? {};
-    const livedMonth = readUserMetaValue(meta, 'inherit_lived_month');
-    const maxDomestic = readUserMetaValue(meta, 'max_domestic_critical');
-    const activeAction = readUserMetaValue(meta, 'inherit_active_action');
-    const combat = readUserMetaValue(meta, 'rank_warnum') * 5;
-    const sabotage = readUserMetaValue(meta, 'firenum') * 20;
-    const dex = computeDexPoint(meta);
-
-    return {
-        previous,
-        lived_month: livedMonth,
-        max_domestic_critical: maxDomestic,
-        active_action: activeAction,
-        combat,
-        sabotage,
-        dex,
-        unifier,
-        tournament: 0,
-        betting: 0,
-        max_belong: 0,
-    };
+    return Object.fromEntries([
+        ['previous', previous],
+        ...ALL_MERGED_INHERITANCE_KEYS.map((key) => [key, computeActiveInheritancePoint(general, key)] as const),
+    ]) as Record<InheritPointKey, number>;
 };
 
 export const sumInheritanceItems = (items: Record<InheritPointKey, number>): number => {
diff --git a/app/game-api/test/inheritRouter.test.ts b/app/game-api/test/inheritRouter.test.ts
index f3d473f7..9535e424 100644
--- a/app/game-api/test/inheritRouter.test.ts
+++ b/app/game-api/test/inheritRouter.test.ts
@@ -106,6 +106,8 @@ const buildContext = (options: {
     general?: GeneralRow | null;
     target?: GeneralRow | null;
     inheritancePoint?: number;
+    inheritanceRows?: Array<{ key: string; value: number }>;
+    rankRows?: Array<{ type: string; value: number }>;
     inheritanceLogs?: Array<{ id: number; year: number; month: number; text: string; createdAt: Date }>;
     configConst?: Record<string, unknown>;
 }) => {
@@ -176,6 +178,12 @@ const buildContext = (options: {
         },
         inheritancePoint: {
             upsert: pointUpsert,
+            findMany: vi.fn(
+                async () => options.inheritanceRows ?? [{ key: 'previous', value: options.inheritancePoint ?? 10_000 }]
+            ),
+        },
+        rankData: {
+            findMany: vi.fn(async () => options.rankRows ?? []),
         },
         inheritanceLog: {
             create: logCreate,
@@ -254,6 +262,58 @@ describe('inherit router actor and permission boundaries', () => {
         });
     });
 
+    it('projects every Ref inheritance source with its own coefficient and stored/calculated boundary', async () => {
+        const fixture = buildContext({
+            general: buildGeneral({
+                meta: {
+                    inherit_lived_month: 12,
+                    max_domestic_critical: 20,
+                    inherit_active_action: 0.5,
+                    belong: 7,
+                    max_belong: 9,
+                    rank_warnum: 300,
+                    firenum: 200,
+                    dex1: 1_275_978,
+                    dex2: 100,
+                    event100_allstar: { granted: { dex2: 40 } },
+                    betwin: 200,
+                    betgold: 200_000,
+                    betwingold: 100_000,
+                },
+            }),
+            rankRows: [
+                { type: 'warnum', value: 3 },
+                { type: 'firenum', value: 2 },
+                { type: 'betwin', value: 2 },
+                { type: 'betgold', value: 2_000 },
+                { type: 'betwingold', value: 1_000 },
+            ],
+            inheritanceRows: [
+                { key: 'previous', value: 100 },
+                { key: 'max_domestic_critical', value: 80 },
+                { key: 'unifier', value: 250 },
+                { key: 'tournament', value: 50 },
+            ],
+        });
+
+        const status = await appRouter.createCaller(fixture.context).inherit.getStatus();
+
+        expect(status.items).toEqual({
+            previous: 100,
+            lived_month: 12,
+            max_domestic_critical: 80,
+            active_action: 1.5,
+            unifier: 250,
+            tournament: 50,
+            max_belong: 90,
+            combat: 15,
+            sabotage: 40,
+            dex: 1_276.036,
+            betting: 5,
+        });
+        expect(status.totalPoint).toBeCloseTo(1_919.536, 8);
+    });
+
     it.each([{}, { allItems: '{}' }])(
         'restores selectable Ref default uniques for a legacy scenario config: %j',
         async (configConst) => {
diff --git a/app/game-engine/src/tournament/finalizer.ts b/app/game-engine/src/tournament/finalizer.ts
index cbf00c8b..ba4d07d8 100644
--- a/app/game-engine/src/tournament/finalizer.ts
+++ b/app/game-engine/src/tournament/finalizer.ts
@@ -142,12 +142,12 @@ export const createTournamentRewardFinalizer = async (options: {
         const nameMap = new Map<number, string>();
         const generals = await db.general.findMany({
             where: { id: { in: Array.from(rewardMap.keys()) } },
-            select: { id: true, userId: true, name: true },
+            select: { id: true, userId: true, name: true, npcState: true },
         });
         const userMap = new Map<number, string>();
         for (const general of generals) {
             nameMap.set(general.id, general.name);
-            if (general.userId) {
+            if (general.userId && general.npcState < 2) {
                 userMap.set(general.id, general.userId);
             }
         }
@@ -261,6 +261,15 @@ export const createTournamentRewardFinalizer = async (options: {
                 update: { value: { increment: entry.value } },
                 create: { userId: entry.userId!, key: 'tournament', value: entry.value },
             });
+            const general = world.getGeneralById(entry.generalId);
+            if (general) {
+                world.updateGeneral(entry.generalId, {
+                    inheritancePoints: {
+                        ...general.inheritancePoints,
+                        tournament: Number(general.inheritancePoints?.tournament ?? 0) + entry.value,
+                    },
+                });
+            }
         }
 
         return {
diff --git a/app/game-engine/src/turn/databaseHooks.ts b/app/game-engine/src/turn/databaseHooks.ts
index bee09456..b17e4910 100644
--- a/app/game-engine/src/turn/databaseHooks.ts
+++ b/app/game-engine/src/turn/databaseHooks.ts
@@ -1241,21 +1241,6 @@ export const createDatabaseTurnHooks = async (
             const meta = asRecord(state.meta);
             const serverId =
                 typeof meta.serverId === 'string' && meta.serverId.trim() ? meta.serverId.trim() : 'default';
-            await persistGeneralLifecycleEvents(
-                prisma,
-                lifecycleEvents,
-                meta,
-                asRecord(world.getScenarioConfig().const),
-                world.gameTickToDate(state.clockTick ?? state.lastTurnTick ?? 0)
-            );
-
-            if (accessScoreResetGeneralIds.length > 0) {
-                await prisma.generalAccessLog.updateMany({
-                    where: { generalId: { in: accessScoreResetGeneralIds } },
-                    data: { refreshScore: 0 },
-                });
-            }
-
             if (inheritancePointAdjustments.length > 0) {
                 const grouped = new Map<string, { userId: string; key: string; amount: number }>();
                 for (const entry of inheritancePointAdjustments) {
@@ -1275,6 +1260,20 @@ export const createDatabaseTurnHooks = async (
                     });
                 }
             }
+            await persistGeneralLifecycleEvents(
+                prisma,
+                lifecycleEvents,
+                meta,
+                asRecord(world.getScenarioConfig().const),
+                world.gameTickToDate(state.clockTick ?? state.lastTurnTick ?? 0)
+            );
+
+            if (accessScoreResetGeneralIds.length > 0) {
+                await prisma.generalAccessLog.updateMany({
+                    where: { generalId: { in: accessScoreResetGeneralIds } },
+                    data: { refreshScore: 0 },
+                });
+            }
 
             if (deletedNationSnapshots.length > 0) {
                 const nationIds = deletedNationSnapshots.map((snapshot) => snapshot.nation.id);
diff --git a/app/game-engine/src/turn/generalTurnLifecyclePersistence.ts b/app/game-engine/src/turn/generalTurnLifecyclePersistence.ts
index 2a134e20..6347bec5 100644
--- a/app/game-engine/src/turn/generalTurnLifecyclePersistence.ts
+++ b/app/game-engine/src/turn/generalTurnLifecyclePersistence.ts
@@ -1,6 +1,7 @@
 import { asRecord, HALL_OF_FAME_TYPES, resolveLegacyTextColor, type HallOfFameType } from '@sammo-ts/common';
 import type { GamePrisma, InputJsonValue } from '@sammo-ts/infra';
 import { LogCategory, LogScope } from '@sammo-ts/logic';
+import { computeInheritanceSettlementBreakdown } from '@sammo-ts/logic/inheritance/pointCalculation.js';
 
 import type { GeneralLifecycleEvent } from './inMemoryWorld.js';
 
@@ -23,14 +24,6 @@ const readWorldNumber = (record: Record<string, unknown>, key: string, fallback:
     return value === 0 && record[key] === undefined ? fallback : Math.floor(value);
 };
 
-const computeDexPoint = (meta: Record<string, unknown>): number => {
-    let total = 0;
-    for (let dex = 1; dex <= 5; dex += 1) {
-        total += readNumber(meta, `dex${dex}`);
-    }
-    return total * 0.001;
-};
-
 const settleInheritance = async (
     prisma: GamePrisma.TransactionClient,
     event: GeneralLifecycleEvent,
@@ -71,8 +64,6 @@ const settleInheritance = async (
         }),
     ]);
     const points = new Map(rows.map((row) => [row.key, row.value]));
-    const ranks = new Map(rankRows.map((row) => [row.type, row.value]));
-    const rank = (key: string): number => ranks.get(key) ?? readNumber(meta, `rank_${key}`);
     const previous = points.get('previous') ?? 0;
     const randomUniqueRefund = meta.inheritRandomUnique
         ? readWorldNumber(configConst, 'inheritItemRandomPoint', 3000)
@@ -81,30 +72,45 @@ const settleInheritance = async (
         ? readWorldNumber(configConst, 'inheritSpecificSpecialPoint', 4000)
         : 0;
     const refund = randomUniqueRefund + specificSpecialRefund;
-    const lived = readNumber(meta, 'inherit_lived_month');
-    const maxBelong = readNumber(meta, 'inherit_max_belong') * 10;
-    const maxDomestic = readNumber(meta, 'max_domestic_critical');
-    const active = readNumber(meta, 'inherit_active_action') * 3;
-    const combat = rank('warnum') * 5;
-    const sabotage = (ranks.get('firenum') ?? readNumber(meta, 'firenum')) * 20;
-    const dex = computeDexPoint(meta);
-    const unifier = points.get('unifier') ?? 0;
-    const earned = isRebirth
-        ? lived + active + combat + sabotage + dex * 0.5
-        : lived + maxBelong + maxDomestic + active + combat + sabotage + dex + unifier;
-    const total = Math.trunc(previous + refund + earned);
+    const calculationMeta = {
+        ...meta,
+        ...Object.fromEntries(rankRows.map((row) => [row.type, row.value])),
+        ...Object.fromEntries(rankRows.map((row) => [`rank_${row.type}`, row.value])),
+    };
+    const settlement = computeInheritanceSettlementBreakdown(
+        {
+            meta: calculationMeta,
+            inheritancePoints: Object.fromEntries(points),
+        },
+        isRebirth
+    );
+    const total = Math.trunc(previous + refund + settlement.totalEarned);
 
     await prisma.inheritancePoint.upsert({
         where: { userId_key: { userId, key: 'previous' } },
         update: { value: total },
         create: { userId, key: 'previous', value: total },
     });
-    await prisma.inheritancePoint.deleteMany({
-        where: {
-            userId,
-            key: isRebirth ? { notIn: ['previous', 'unifier'] } : { not: 'previous' },
-        },
-    });
+    if (isRebirth) {
+        const retainedEntries = Object.entries(settlement.retained).filter(
+            ([key, value]) => key === 'max_belong' || points.has(key) || value !== 0
+        );
+        for (const [key, value] of retainedEntries) {
+            await prisma.inheritancePoint.upsert({
+                where: { userId_key: { userId, key } },
+                update: { value },
+                create: { userId, key, value },
+            });
+        }
+        await prisma.inheritancePoint.deleteMany({
+            where: {
+                userId,
+                key: { notIn: ['previous', ...retainedEntries.map(([key]) => key)] },
+            },
+        });
+    } else {
+        await prisma.inheritancePoint.deleteMany({ where: { userId, key: { not: 'previous' } } });
+    }
     const serverId =
         typeof worldMeta.serverId === 'string' && worldMeta.serverId.trim() ? worldMeta.serverId.trim() : 'default';
     await prisma.inheritanceResult.create({
@@ -117,15 +123,10 @@ const settleInheritance = async (
             value: asJson({
                 previous,
                 refund,
-                lived_month: lived,
-                max_belong: maxBelong,
-                max_domestic_critical: maxDomestic,
-                active_action: active,
-                combat,
-                sabotage,
-                dex: isRebirth ? dex * 0.5 : dex,
-                unifier: isRebirth ? 0 : unifier,
+                ...settlement.earned,
+                ...(isRebirth ? { retained: settlement.retained } : {}),
                 rebirth: isRebirth,
+                total,
             }),
         },
     });
diff --git a/app/game-engine/src/turn/inheritancePointCalculation.ts b/app/game-engine/src/turn/inheritancePointCalculation.ts
index ed18c3b6..62a2bd8b 100644
--- a/app/game-engine/src/turn/inheritancePointCalculation.ts
+++ b/app/game-engine/src/turn/inheritancePointCalculation.ts
@@ -1,97 +1,12 @@
-const DEX_LIMIT = 1_275_975;
-
-interface InheritancePointGeneral {
-    meta: Record<string, unknown>;
-    inheritancePoints?: Record<string, number>;
-}
-
-const STORED_INHERITANCE_KEYS = [
-    'lived_month',
-    'max_domestic_critical',
-    'active_action',
-    'unifier',
-    'tournament',
-] as const;
-
-export const ALL_MERGED_INHERITANCE_KEYS = [
-    ...STORED_INHERITANCE_KEYS,
-    'max_belong',
-    'combat',
-    'sabotage',
-    'dex',
-    'betting',
-] as const;
-
-export type MergedInheritanceKey = (typeof ALL_MERGED_INHERITANCE_KEYS)[number];
-
-const readNumber = (source: Record<string, unknown>, key: string): number => {
-    const value = source[key];
-    if (typeof value === 'number' && Number.isFinite(value)) return value;
-    if (typeof value === 'string') {
-        const parsed = Number(value);
-        if (Number.isFinite(parsed)) return parsed;
-    }
-    return 0;
-};
-
-const computeDexPoint = (general: InheritancePointGeneral): number => {
-    let totalDexterity = 0;
-    for (let index = 1; index <= 5; index += 1) {
-        let dexterity = readNumber(general.meta, `dex${index}`);
-        if (dexterity > DEX_LIMIT) {
-            totalDexterity += (dexterity - DEX_LIMIT) / 3;
-            dexterity = DEX_LIMIT;
-        }
-        totalDexterity += dexterity;
-    }
-    return totalDexterity * 0.001;
-};
-
-const computeBettingPoint = (general: InheritancePointGeneral): number => {
-    const wins = readNumber(general.meta, 'betwin');
-    const gold = readNumber(general.meta, 'betgold');
-    const wonGold = readNumber(general.meta, 'betwingold');
-    const winRate = wonGold / Math.max(1000, gold);
-    return wins * 10 * winRate ** 2;
-};
-
-export const computeActiveInheritancePoint = (
-    general: InheritancePointGeneral,
-    key: MergedInheritanceKey,
-    storedOverride?: number
-): number => {
-    const stored = storedOverride ?? general.inheritancePoints?.[key] ?? 0;
-    switch (key) {
-        case 'lived_month': {
-            const value = readNumber(general.meta, 'inherit_lived_month');
-            return value !== 0 ? value : stored;
-        }
-        case 'max_domestic_critical': {
-            const value = readNumber(general.meta, 'max_domestic_critical');
-            return value !== 0 ? value : stored;
-        }
-        case 'active_action': {
-            const value = readNumber(general.meta, 'inherit_active_action');
-            return value !== 0 ? value * 3 : stored;
-        }
-        case 'unifier':
-        case 'tournament':
-            return stored;
-        case 'max_belong':
-            return (
-                Math.max(
-                    readNumber(general.meta, 'belong'),
-                    readNumber(general.meta, 'max_belong'),
-                    readNumber(general.meta, 'inherit_max_belong')
-                ) * 10
-            );
-        case 'combat':
-            return readNumber(general.meta, 'rank_warnum') * 5;
-        case 'sabotage':
-            return readNumber(general.meta, 'firenum') * 20;
-        case 'dex':
-            return computeDexPoint(general);
-        case 'betting':
-            return computeBettingPoint(general);
-    }
-};
+export {
+    ALL_MERGED_INHERITANCE_KEYS,
+    computeActiveInheritancePoint,
+    computeBettingInheritancePoint,
+    computeDexInheritancePoint,
+    computeInheritanceSettlementBreakdown,
+    LEGACY_DEX_INHERITANCE_LIMIT,
+    REBIRTH_INHERITANCE_COEFFICIENTS,
+    type InheritancePointGeneral,
+    type InheritanceSettlementBreakdown,
+    type MergedInheritanceKey,
+} from '@sammo-ts/logic/inheritance/pointCalculation.js';
diff --git a/app/game-engine/src/turn/monthlyNationLevelAction.ts b/app/game-engine/src/turn/monthlyNationLevelAction.ts
index 38806610..a1a9df76 100644
--- a/app/game-engine/src/turn/monthlyNationLevelAction.ts
+++ b/app/game-engine/src/turn/monthlyNationLevelAction.ts
@@ -375,8 +375,15 @@ export const createUpdateNationLevelHandler = (options: {
                 });
             }
             const isUnited = readNumber(state.meta.isunited ?? state.meta.isUnited);
-            if (chief?.userId && isUnited === 0) {
-                world.queueInheritancePointAdjustment(chief.userId, 'unifier', 250 * levelDiff);
+            if (chief?.userId && chief.npcState < 2 && isUnited === 0) {
+                const amount = 250 * levelDiff;
+                world.queueInheritancePointAdjustment(chief.userId, 'unifier', amount);
+                world.updateGeneral(chief.id, {
+                    inheritancePoints: {
+                        ...chief.inheritancePoints,
+                        unifier: readNumber(chief.inheritancePoints?.unifier) + amount,
+                    },
+                });
             }
         }
     };
diff --git a/app/game-engine/src/turn/reservedTurnHandler.ts b/app/game-engine/src/turn/reservedTurnHandler.ts
index 1dac6ae2..bfac0e72 100644
--- a/app/game-engine/src/turn/reservedTurnHandler.ts
+++ b/app/game-engine/src/turn/reservedTurnHandler.ts
@@ -268,6 +268,7 @@ const readConfigNumber = (config: ScenarioConfig, key: string, fallback: number)
 
 const cloneTurnGeneral = (general: TurnGeneral): TurnGeneral => ({
     ...general,
+    ...(general.inheritancePoints ? { inheritancePoints: { ...general.inheritancePoints } } : {}),
     stats: { ...general.stats },
     role: {
         ...general.role,
@@ -372,6 +373,25 @@ const readMetaNumber = (meta: Record<string, unknown>, key: string, fallback: nu
     return fallback;
 };
 
+const readInheritanceNumber = (value: unknown): number => {
+    if (typeof value === 'number' && Number.isFinite(value)) {
+        return value;
+    }
+    if (typeof value === 'string') {
+        const parsed = Number(value);
+        return Number.isFinite(parsed) ? parsed : 0;
+    }
+    return 0;
+};
+
+const canAccumulateInheritance = (
+    general: Pick<TurnGeneral, 'userId' | 'npcState'>,
+    worldMeta: Record<string, unknown>
+): general is Pick<TurnGeneral, 'userId' | 'npcState'> & { userId: string } =>
+    Boolean(general.userId) &&
+    general.npcState < 2 &&
+    readMetaNumber(worldMeta, 'isunited', readMetaNumber(worldMeta, 'isUnited', 0)) === 0;
+
 const readMetaBool = (meta: Record<string, unknown>, key: string, fallback = false): boolean => {
     const value = meta[key];
     if (typeof value === 'boolean') {
@@ -1214,6 +1234,34 @@ export const createReservedTurnHandler = async (options: {
                 currentGeneral = resolution.general as TurnGeneral;
                 currentCity = resolution.city ?? currentCity;
                 currentNation = resolution.nation ?? currentNation;
+                const inheritanceEnabled = canAccumulateInheritance(currentGeneral, asRecord(context.world.meta));
+                const inheritanceUserId = inheritanceEnabled ? currentGeneral.userId : null;
+                if (actionKey === 'che_인재탐색') {
+                    const previousActive = readMetaNumber(
+                        asRecord(generalBeforeExecution.meta),
+                        'inherit_active_action',
+                        0
+                    );
+                    const nextActive = readMetaNumber(asRecord(currentGeneral.meta), 'inherit_active_action', 0);
+                    if (!inheritanceUserId) {
+                        currentGeneral = {
+                            ...currentGeneral,
+                            meta: { ...currentGeneral.meta, inherit_active_action: previousActive },
+                        };
+                    } else if (nextActive > previousActive) {
+                        const pointAmount = (nextActive - previousActive) * 3;
+                        worldRef?.queueInheritancePointAdjustment(inheritanceUserId, 'active_action', pointAmount);
+                        currentGeneral = {
+                            ...currentGeneral,
+                            inheritancePoints: {
+                                ...currentGeneral.inheritancePoints,
+                                active_action:
+                                    readInheritanceNumber(currentGeneral.inheritancePoints?.active_action) +
+                                    pointAmount,
+                            },
+                        };
+                    }
+                }
                 if (!resolution.alternative && !usedFallback && resolution.completed) {
                     currentGeneral = applyLegacyGeneralProgression(
                         currentGeneral,
@@ -1229,13 +1277,20 @@ export const createReservedTurnHandler = async (options: {
                     !usedFallback &&
                     resolution.completed &&
                     definition.countsAsInheritanceActiveAction &&
-                    Boolean(currentGeneral.userId) &&
-                    currentGeneral.npcState < 2
+                    inheritanceUserId
                 ) {
                     const meta = { ...currentGeneral.meta };
                     const active = typeof meta.inherit_active_action === 'number' ? meta.inherit_active_action : 0;
                     meta.inherit_active_action = active + 1;
-                    currentGeneral = { ...currentGeneral, meta };
+                    worldRef?.queueInheritancePointAdjustment(inheritanceUserId, 'active_action', 3);
+                    currentGeneral = {
+                        ...currentGeneral,
+                        meta,
+                        inheritancePoints: {
+                            ...currentGeneral.inheritancePoints,
+                            active_action: readInheritanceNumber(currentGeneral.inheritancePoints?.active_action) + 3,
+                        },
+                    };
                 }
                 if (
                     !resolution.alternative &&
@@ -1243,17 +1298,53 @@ export const createReservedTurnHandler = async (options: {
                     !usedFallback &&
                     resolution.completed &&
                     executionDefinition.getInheritanceActiveActionAmount &&
-                    Boolean(currentGeneral.userId) &&
-                    currentGeneral.npcState < 2
+                    inheritanceEnabled
                 ) {
                     const amount = executionDefinition.getInheritanceActiveActionAmount(actionContext, actionArgs);
                     if (Number.isFinite(amount) && amount !== 0) {
                         const meta = { ...currentGeneral.meta };
                         const active = typeof meta.inherit_active_action === 'number' ? meta.inherit_active_action : 0;
                         meta.inherit_active_action = active + amount;
-                        currentGeneral = { ...currentGeneral, meta };
+                        const pointAmount = amount * 3;
+                        worldRef?.queueInheritancePointAdjustment(inheritanceUserId!, 'active_action', pointAmount);
+                        currentGeneral = {
+                            ...currentGeneral,
+                            meta,
+                            inheritancePoints: {
+                                ...currentGeneral.inheritancePoints,
+                                active_action:
+                                    readInheritanceNumber(currentGeneral.inheritancePoints?.active_action) +
+                                    pointAmount,
+                            },
+                        };
                     }
                 }
+                if (
+                    !resolution.alternative &&
+                    kind === 'general' &&
+                    !usedFallback &&
+                    resolution.completed &&
+                    inheritanceUserId
+                ) {
+                    const inheritancePoints = { ...currentGeneral.inheritancePoints };
+                    const storedDomesticMaximum = readInheritanceNumber(inheritancePoints.max_domestic_critical);
+                    const currentDomesticStreak = readInheritanceNumber(
+                        asRecord(currentGeneral.meta).max_domestic_critical
+                    );
+                    if (currentDomesticStreak > storedDomesticMaximum) {
+                        worldRef?.queueInheritancePointAdjustment(
+                            inheritanceUserId,
+                            'max_domestic_critical',
+                            currentDomesticStreak - storedDomesticMaximum
+                        );
+                        inheritancePoints.max_domestic_critical = currentDomesticStreak;
+                    }
+                    if (actionKey === 'che_건국') {
+                        worldRef?.queueInheritancePointAdjustment(inheritanceUserId, 'unifier', 250);
+                        inheritancePoints.unifier = readInheritanceNumber(inheritancePoints.unifier) + 250;
+                    }
+                    currentGeneral = { ...currentGeneral, inheritancePoints };
+                }
 
                 if (!currentNation && resolution.created?.nations) {
                     currentNation =
@@ -1551,9 +1642,14 @@ export const createReservedTurnHandler = async (options: {
 
             const lifecycleBefore = cloneTurnGeneral(currentGeneral);
             currentGeneral = cloneTurnGeneral(currentGeneral);
-            if (currentGeneral.npcState < 2) {
+            if (canAccumulateInheritance(currentGeneral, asRecord(context.world.meta))) {
                 currentGeneral.meta.inherit_lived_month =
                     readMetaNumber(currentGeneral.meta, 'inherit_lived_month', 0) + 1;
+                worldRef?.queueInheritancePointAdjustment(currentGeneral.userId, 'lived_month', 1);
+                currentGeneral.inheritancePoints = {
+                    ...currentGeneral.inheritancePoints,
+                    lived_month: readInheritanceNumber(currentGeneral.inheritancePoints?.lived_month) + 1,
+                };
             }
             const preprocessRng = new RandUtil(
                 new LiteHashDRBG(
@@ -1626,10 +1722,7 @@ export const createReservedTurnHandler = async (options: {
                     currentGeneral.crew = 0;
                     currentGeneral.rice = 0;
                     logs.push(
-                        createGeneralActionLog(
-                            currentGeneral.id,
-                            '군량이 모자라 병사들이 <R>소집해제</>되었습니다!'
-                        )
+                        createGeneralActionLog(currentGeneral.id, '군량이 모자라 병사들이 <R>소집해제</>되었습니다!')
                     );
                     preTurnContext.skill.activate('pre.소집해제');
                 }
@@ -2125,10 +2218,7 @@ export const createReservedTurnHandler = async (options: {
                 currentGeneral = resetRetiredGeneral(currentGeneral);
                 lifecycleOutcome = 'retired';
                 logs.push(
-                    createGeneralActionLog(
-                        currentGeneral.id,
-                        '나이가 들어 <R>은퇴</>하고 자손에게 자리를 물려줍니다.'
-                    )
+                    createGeneralActionLog(currentGeneral.id, '나이가 들어 <R>은퇴</>하고 자손에게 자리를 물려줍니다.')
                 );
             }
 
@@ -2384,11 +2474,17 @@ export const createImmediateGeneralActionExecutor = async (options: {
             if (
                 Number.isFinite(activeActionAmount) &&
                 activeActionAmount !== 0 &&
-                nextGeneral.userId &&
-                nextGeneral.npcState < 2
+                canAccumulateInheritance(nextGeneral, asRecord(state.meta))
             ) {
+                const pointAmount = activeActionAmount * 3;
+                options.world.queueInheritancePointAdjustment(nextGeneral.userId, 'active_action', pointAmount);
                 nextGeneral = {
                     ...nextGeneral,
+                    inheritancePoints: {
+                        ...nextGeneral.inheritancePoints,
+                        active_action:
+                            readInheritanceNumber(nextGeneral.inheritancePoints?.active_action) + pointAmount,
+                    },
                     meta: {
                         ...nextGeneral.meta,
                         inherit_active_action:
diff --git a/app/game-engine/test/gameCancellation.integration.test.ts b/app/game-engine/test/gameCancellation.integration.test.ts
index 574dc37f..fd770e18 100644
--- a/app/game-engine/test/gameCancellation.integration.test.ts
+++ b/app/game-engine/test/gameCancellation.integration.test.ts
@@ -215,16 +215,16 @@ integration('game cancellation transaction', () => {
                 [userId]: {
                     openingPoint: 10_000,
                     currentPoint: 7_000,
-                    earnedPoint: 1_750.005,
-                    retainedEarnedPoint: 700,
-                    finalPoint: 10_700,
+                    earnedPoint: 1_790.005,
+                    retainedEarnedPoint: 716,
+                    finalPoint: 10_716,
                     baselineSource: 'OPENING',
                 },
             },
         });
         await expect(
             db.inheritancePoint.findMany({ where: { userId }, orderBy: { key: 'asc' } })
-        ).resolves.toMatchObject([{ key: 'previous', value: 10_700 }]);
+        ).resolves.toMatchObject([{ key: 'previous', value: 10_716 }]);
         await expect(db.gameHistory.findUniqueOrThrow({ where: { serverId } })).resolves.toMatchObject({
             status: 'ABANDONED',
             winnerNation: null,
diff --git a/app/game-engine/test/generalTurnLegacyCompatibility.test.ts b/app/game-engine/test/generalTurnLegacyCompatibility.test.ts
index bf40595a..02ad0bbe 100644
--- a/app/game-engine/test/generalTurnLegacyCompatibility.test.ts
+++ b/app/game-engine/test/generalTurnLegacyCompatibility.test.ts
@@ -391,7 +391,9 @@ describe('legacy general-turn execution contract', () => {
         expect(updated.injury).toBe(10);
         expect(updated.experience).toBe(0);
         expect(updated.meta.killturn).toBe(4);
-        expect(updated.meta.inherit_lived_month).toBe(1);
+        // Ref InheritancePointManager ignores every source when the general
+        // has no owner, including the per-turn lived_month source.
+        expect(updated.meta.inherit_lived_month).toBeUndefined();
         expect(updated.meta.myset).toBe(3);
         expect(harness.reservedTurnStore.getGeneralTurn(1, 0).action).toBe('휴식');
         expect(harness.getCollectedLogs().some((log) => log.text.includes('악성유저'))).toBe(true);
diff --git a/app/game-engine/test/generalTurnLifecyclePersistence.integration.test.ts b/app/game-engine/test/generalTurnLifecyclePersistence.integration.test.ts
index f6123637..e9cf54e3 100644
--- a/app/game-engine/test/generalTurnLifecyclePersistence.integration.test.ts
+++ b/app/game-engine/test/generalTurnLifecyclePersistence.integration.test.ts
@@ -96,19 +96,28 @@ integration('general turn lifecycle persistence', () => {
                 killturn: 0,
                 inherit_lived_month: 10,
                 inherit_active_action: 2,
+                max_belong: 9,
                 inheritRandomUnique: true,
                 dex1: 1_000,
                 dex2: 1,
                 dex3: 1,
                 dex4: 1,
                 dex5: 1,
+                betwin: 2,
+                betgold: 2_000,
+                betwingold: 1_000,
             },
         });
         await db.generalAccessLog.create({
             data: { generalId: general.id, userId: general.userId, refreshScore: 99 },
         });
-        await db.inheritancePoint.create({
-            data: { userId: general.userId!, key: 'previous', value: 100 },
+        await db.inheritancePoint.createMany({
+            data: [
+                { userId: general.userId!, key: 'previous', value: 100 },
+                { userId: general.userId!, key: 'max_domestic_critical', value: 80 },
+                { userId: general.userId!, key: 'unifier', value: 250 },
+                { userId: general.userId!, key: 'tournament', value: 50 },
+            ],
         });
         await db.rankData.createMany({
             data: [
@@ -202,7 +211,7 @@ integration('general turn lifecycle persistence', () => {
             await db.inheritancePoint.findUnique({
                 where: { userId_key: { userId: general.userId!, key: 'previous' } },
             })
-        ).toMatchObject({ value: 3_147 });
+        ).toMatchObject({ value: 3_622 });
         expect(
             (
                 await db.inheritanceLog.findMany({
@@ -211,16 +220,33 @@ integration('general turn lifecycle persistence', () => {
                     select: { text: true },
                 })
             ).map(({ text }) => text)
-        ).toEqual(['사망으로 랜덤 유니크 구입 3000 포인트 반환', '사망 정산: 3,147 포인트']);
+        ).toEqual(['사망으로 랜덤 유니크 구입 3000 포인트 반환', '사망 정산: 3,622 포인트']);
     });
 
     it('resets access/ranks and records pre-rebirth hall and inheritance values', async () => {
-        const general = makeGeneral(generalIds[1]!, userIds[1]!);
+        const general = makeGeneral(generalIds[1]!, userIds[1]!, {
+            meta: {
+                killturn: 0,
+                inherit_lived_month: 10,
+                inherit_active_action: 2,
+                max_domestic_critical: 20,
+                max_belong: 7,
+                dex1: 1_000,
+                betwin: 2,
+                betgold: 2_000,
+                betwingold: 1_000,
+            },
+        });
         await db.generalAccessLog.create({
             data: { generalId: general.id, userId: general.userId, refreshScore: 77 },
         });
-        await db.inheritancePoint.create({
-            data: { userId: general.userId!, key: 'previous', value: 50 },
+        await db.inheritancePoint.createMany({
+            data: [
+                { userId: general.userId!, key: 'previous', value: 50 },
+                { userId: general.userId!, key: 'max_domestic_critical', value: 80 },
+                { userId: general.userId!, key: 'unifier', value: 250 },
+                { userId: general.userId!, key: 'tournament', value: 50 },
+            ],
         });
         await db.rankData.create({
             data: { generalId: general.id, nationId: 0, type: 'warnum', value: 10 },
@@ -256,7 +282,19 @@ integration('general turn lifecycle persistence', () => {
             await db.inheritancePoint.findUnique({
                 where: { userId_key: { userId: general.userId!, key: 'previous' } },
             })
-        ).toMatchObject({ value: 116 });
+        ).toMatchObject({ value: 171 });
+        expect(
+            await db.inheritancePoint.findMany({
+                where: { userId: general.userId! },
+                orderBy: { key: 'asc' },
+                select: { key: true, value: true },
+            })
+        ).toEqual([
+            { key: 'max_belong', value: 70 },
+            { key: 'max_domestic_critical', value: 80 },
+            { key: 'previous', value: 171 },
+            { key: 'unifier', value: 250 },
+        ]);
     });
 
     it('does not settle a possessed NPC before the legacy minimum possession period', async () => {
diff --git a/app/game-engine/test/inheritanceActiveActionInventory.test.ts b/app/game-engine/test/inheritanceActiveActionInventory.test.ts
new file mode 100644
index 00000000..102aa023
--- /dev/null
+++ b/app/game-engine/test/inheritanceActiveActionInventory.test.ts
@@ -0,0 +1,74 @@
+import { describe, expect, it } from 'vitest';
+import { DEFAULT_TURN_COMMAND_PROFILE, type ScenarioConfig } from '@sammo-ts/logic';
+
+import { buildCommandEnv, buildReservedTurnDefinitions } from '../src/turn/reservedTurnCommands.js';
+
+const scenarioConfig: ScenarioConfig = {
+    stat: { total: 300, min: 10, max: 100, npcTotal: 150, npcMin: 10, npcMax: 70, chiefMin: 70 },
+    iconPath: '',
+    map: {},
+    const: {},
+    environment: { mapName: 'inheritance-active-action', unitSet: 'default' },
+};
+
+const generalCommands = [
+    'che_거병',
+    'che_건국',
+    'che_등용수락',
+    'che_랜덤임관',
+    'che_모반시도',
+    'che_무작위건국',
+    'che_방랑',
+    'che_선양',
+    'che_인재탐색',
+    'che_임관',
+    'che_장수대상임관',
+    'che_첩보',
+    'che_출병',
+    'che_하야',
+    'cr_건국',
+] as const;
+
+const nationCommands = [
+    'che_감축',
+    'che_국기변경',
+    'che_국호변경',
+    'che_무작위수도이전',
+    'che_증축',
+    'che_천도',
+    'che_초토화',
+    'event_극병연구',
+    'event_대검병연구',
+    'event_무희연구',
+    'event_산저병연구',
+    'event_상병연구',
+    'event_원융노병연구',
+    'event_음귀병연구',
+    'event_화륜차연구',
+    'event_화시병연구',
+] as const;
+
+describe('Ref active-action inheritance inventory', () => {
+    it('marks every Ref command call site, including trend-producing strategic and research actions', async () => {
+        const { general, nation } = await buildReservedTurnDefinitions({
+            env: buildCommandEnv(scenarioConfig),
+            commandProfile: DEFAULT_TURN_COMMAND_PROFILE,
+            defaultActionKey: '휴식',
+        });
+
+        const generalWithFixedOrContextAmount = [...general.entries()]
+            .filter(([, definition]) => typeof definition.getInheritanceActiveActionAmount === 'function')
+            .map(([key]) => key)
+            .sort();
+        expect(generalWithFixedOrContextAmount).toEqual(generalCommands.filter((key) => key !== 'che_인재탐색').sort());
+        // 인재탐색은 발견확률을 실제 resolve 안에서 계산해 sqrt(1/p)를
+        // 기록한다. 별도 차등 fixture가 이 가중 경로를 검증한다.
+        expect(general.get('che_인재탐색')).toBeDefined();
+
+        const nationWithPoint = [...nation.entries()]
+            .filter(([, definition]) => definition.countsAsInheritanceActiveAction)
+            .map(([key]) => key)
+            .sort();
+        expect(nationWithPoint).toEqual([...nationCommands].sort());
+    });
+});
diff --git a/app/game-engine/test/monthlyNationLevelAction.test.ts b/app/game-engine/test/monthlyNationLevelAction.test.ts
index 8c5b7360..923bc10c 100644
--- a/app/game-engine/test/monthlyNationLevelAction.test.ts
+++ b/app/game-engine/test/monthlyNationLevelAction.test.ts
@@ -216,6 +216,7 @@ describe('UpdateNationLevel monthly action', () => {
         expect(world.peekDirtyState().inheritancePointAdjustments).toEqual([
             { userId: 'user-1', key: 'unifier', amount: 500 },
         ]);
+        expect(world.getGeneralById(1)?.inheritancePoints?.unifier).toBe(500);
         expect(world.peekDirtyState().logs).toEqual(
             expect.arrayContaining([
                 {
@@ -292,6 +293,7 @@ describe('UpdateNationLevel monthly action', () => {
         expect(world.peekDirtyState().inheritancePointAdjustments).toEqual([
             { userId: 'user-1', key: 'unifier', amount: 250 },
         ]);
+        expect(world.getGeneralById(1)?.inheritancePoints?.unifier).toBe(250);
     });
 
     it('does not duplicate a unique item reserved by an unfinished auction', async () => {
@@ -306,6 +308,7 @@ describe('UpdateNationLevel monthly action', () => {
         expect(world.peekDirtyState().inheritancePointAdjustments).toEqual([
             { userId: 'user-1', key: 'unifier', amount: 250 },
         ]);
+        expect(world.getGeneralById(1)?.inheritancePoints?.unifier).toBe(250);
     });
 });
 
diff --git a/app/game-engine/test/reservedTurnExecution.test.ts b/app/game-engine/test/reservedTurnExecution.test.ts
index b20be1fc..b2ad33d5 100644
--- a/app/game-engine/test/reservedTurnExecution.test.ts
+++ b/app/game-engine/test/reservedTurnExecution.test.ts
@@ -495,9 +495,7 @@ describe('Reserved Turn Execution Integration', () => {
             category: 'ACTION',
             generalId: 1,
         });
-        const personalActionLogs = dirty.logs.filter(
-            (log) => log.scope === 'GENERAL' && log.category === 'ACTION'
-        );
+        const personalActionLogs = dirty.logs.filter((log) => log.scope === 'GENERAL' && log.category === 'ACTION');
         expect(personalActionLogs.length).toBeGreaterThan(0);
         expect(personalActionLogs.every((log) => log.generalId === 1)).toBe(true);
         expect(
@@ -679,6 +677,7 @@ describe('Reserved Turn Execution Integration', () => {
             const generals: TurnGeneral[] = [
                 {
                     id: 1,
+                    userId: 'founder-user',
                     name: 'General_Leader',
                     nationId: 0,
                     cityId: 1,
@@ -708,6 +707,7 @@ describe('Reserved Turn Execution Integration', () => {
                 },
                 {
                     id: 2,
+                    userId: 'domestic-user',
                     name: 'General_Sub',
                     nationId: 0,
                     cityId: 1,
@@ -973,6 +973,14 @@ describe('Reserved Turn Execution Integration', () => {
             expect(world.getCityById(1)!.agriculture).toBe(100);
             expect(world.getCityById(1)!.nationId).toBe(0); // City 1 is still unowned
             expect(world.getCityById(2)!.agriculture).toBeGreaterThan(100); // City 2 agric increased
+            expect(gen1ReallyFinal.inheritancePoints?.unifier).toBe(250);
+            expect(world.peekDirtyState().inheritancePointAdjustments).toEqual(
+                expect.arrayContaining([
+                    { userId: 'founder-user', key: 'active_action', amount: 3 },
+                    { userId: 'founder-user', key: 'lived_month', amount: 1 },
+                    { userId: 'founder-user', key: 'unifier', amount: 250 },
+                ])
+            );
         });
 
         it('should fail founding with specific constraints', async () => {
diff --git a/packages/logic/src/actions/turn/general/che_하야.ts b/packages/logic/src/actions/turn/general/che_하야.ts
index a5e245fd..300d52a9 100644
--- a/packages/logic/src/actions/turn/general/che_하야.ts
+++ b/packages/logic/src/actions/turn/general/che_하야.ts
@@ -65,6 +65,8 @@ export class ActionResolver<
 
         // Penalty
         const betrayal = typeof general.meta.betray === 'number' ? general.meta.betray : 0;
+        const belong = typeof general.meta.belong === 'number' ? general.meta.belong : 0;
+        const maxBelong = typeof general.meta.max_belong === 'number' ? general.meta.max_belong : 0;
         const penaltyRatio = betrayal * 0.1;
         const nextExp = Math.round(general.experience * (1 - penaltyRatio));
         const nextDed = Math.round(general.dedication * (1 - penaltyRatio));
@@ -99,6 +101,7 @@ export class ActionResolver<
                         ...general.meta,
                         betray: Math.min(9, betrayal + 1),
                         belong: 0,
+                        ...(general.npcState < 2 ? { max_belong: Math.max(belong, maxBelong) } : {}),
                         makelimit: 12,
                         officer_city: 0,
                         permission: 'normal',
diff --git a/packages/logic/src/inheritance/pointCalculation.ts b/packages/logic/src/inheritance/pointCalculation.ts
new file mode 100644
index 00000000..a9b8b09c
--- /dev/null
+++ b/packages/logic/src/inheritance/pointCalculation.ts
@@ -0,0 +1,164 @@
+export const LEGACY_DEX_INHERITANCE_LIMIT = 1_275_975;
+
+export const ALL_MERGED_INHERITANCE_KEYS = [
+    'lived_month',
+    'max_domestic_critical',
+    'active_action',
+    'unifier',
+    'tournament',
+    'max_belong',
+    'combat',
+    'sabotage',
+    'dex',
+    'betting',
+] as const;
+
+export type MergedInheritanceKey = (typeof ALL_MERGED_INHERITANCE_KEYS)[number];
+
+export interface InheritancePointGeneral {
+    meta: Record<string, unknown>;
+    inheritancePoints?: Record<string, number>;
+}
+
+/**
+ * Ref InheritancePointType::rebirthStoreCoeff. A null coefficient means that
+ * the point is not paid on rebirth and remains reserved for the final death or
+ * unification settlement.
+ */
+export const REBIRTH_INHERITANCE_COEFFICIENTS: Readonly<Record<MergedInheritanceKey, number | null>> = {
+    lived_month: 1,
+    max_domestic_critical: null,
+    active_action: 1,
+    unifier: null,
+    tournament: 1,
+    max_belong: null,
+    combat: 1,
+    sabotage: 1,
+    dex: 0.5,
+    betting: 1,
+};
+
+const asRecord = (value: unknown): Record<string, unknown> =>
+    typeof value === 'object' && value !== null && !Array.isArray(value) ? (value as Record<string, unknown>) : {};
+
+const readNumber = (source: Record<string, unknown>, ...keys: string[]): number => {
+    for (const key of keys) {
+        const value = source[key];
+        if (typeof value === 'number' && Number.isFinite(value)) return value;
+        if (typeof value === 'string') {
+            const parsed = Number(value);
+            if (Number.isFinite(parsed)) return parsed;
+        }
+    }
+    return 0;
+};
+
+const readStoredPoint = (
+    general: InheritancePointGeneral,
+    key: MergedInheritanceKey,
+    storedOverride?: number
+): number => storedOverride ?? general.inheritancePoints?.[key] ?? 0;
+
+const readRecordableDexterity = (general: InheritancePointGeneral, key: string): number => {
+    const value = readNumber(general.meta, key);
+    const allStar = asRecord(general.meta.event100_allstar);
+    const granted = readNumber(asRecord(allStar.granted), key);
+    return Math.max(0, value - Math.min(Math.max(0, value), Math.max(0, granted)));
+};
+
+export const computeDexInheritancePoint = (general: InheritancePointGeneral): number => {
+    let totalDexterity = 0;
+    for (let index = 1; index <= 5; index += 1) {
+        let dexterity = readRecordableDexterity(general, `dex${index}`);
+        if (dexterity > LEGACY_DEX_INHERITANCE_LIMIT) {
+            totalDexterity += (dexterity - LEGACY_DEX_INHERITANCE_LIMIT) / 3;
+            dexterity = LEGACY_DEX_INHERITANCE_LIMIT;
+        }
+        totalDexterity += dexterity;
+    }
+    return totalDexterity * 0.001;
+};
+
+export const computeBettingInheritancePoint = (general: InheritancePointGeneral): number => {
+    const wins = readNumber(general.meta, 'betwin', 'rank_betwin');
+    const gold = readNumber(general.meta, 'betgold', 'rank_betgold');
+    const wonGold = readNumber(general.meta, 'betwingold', 'rank_betwingold');
+    const winRate = wonGold / Math.max(1000, gold);
+    return wins * 10 * winRate ** 2;
+};
+
+export const computeActiveInheritancePoint = (
+    general: InheritancePointGeneral,
+    key: MergedInheritanceKey,
+    storedOverride?: number
+): number => {
+    const stored = readStoredPoint(general, key, storedOverride);
+    switch (key) {
+        case 'lived_month': {
+            const value = readNumber(general.meta, 'inherit_lived_month');
+            return value !== 0 ? value : stored;
+        }
+        case 'max_domestic_critical':
+            // Ref keeps the current streak in general.aux and the lifetime max
+            // in inheritance storage. Math.max also upgrades pre-fix live
+            // snapshots whose current streak has not yet been copied there.
+            return Math.max(
+                stored,
+                readNumber(general.meta, 'max_domestic_critical'),
+                readNumber(general.meta, 'inherit_max_domestic_critical')
+            );
+        case 'active_action': {
+            const value = readNumber(general.meta, 'inherit_active_action');
+            return value !== 0 ? value * 3 : stored;
+        }
+        case 'unifier':
+        case 'tournament':
+            return stored;
+        case 'max_belong':
+            return (
+                Math.max(
+                    readNumber(general.meta, 'belong'),
+                    readNumber(general.meta, 'max_belong'),
+                    readNumber(general.meta, 'inherit_max_belong')
+                ) * 10
+            );
+        case 'combat':
+            return readNumber(general.meta, 'rank_warnum', 'warnum') * 5;
+        case 'sabotage':
+            return readNumber(general.meta, 'firenum', 'rank_firenum') * 20;
+        case 'dex':
+            return computeDexInheritancePoint(general);
+        case 'betting':
+            return computeBettingInheritancePoint(general);
+    }
+};
+
+export interface InheritanceSettlementBreakdown {
+    earned: Record<MergedInheritanceKey, number>;
+    retained: Partial<Record<MergedInheritanceKey, number>>;
+    totalEarned: number;
+}
+
+export const computeInheritanceSettlementBreakdown = (
+    general: InheritancePointGeneral,
+    isRebirth: boolean
+): InheritanceSettlementBreakdown => {
+    const earned = {} as Record<MergedInheritanceKey, number>;
+    const retained: Partial<Record<MergedInheritanceKey, number>> = {};
+    let totalEarned = 0;
+
+    for (const key of ALL_MERGED_INHERITANCE_KEYS) {
+        const value = computeActiveInheritancePoint(general, key);
+        const rebirthCoefficient = REBIRTH_INHERITANCE_COEFFICIENTS[key];
+        if (isRebirth && rebirthCoefficient === null) {
+            earned[key] = 0;
+            retained[key] = value;
+            continue;
+        }
+        const settledValue = value * (isRebirth ? (rebirthCoefficient ?? 0) : 1);
+        earned[key] = settledValue;
+        totalEarned += settledValue;
+    }
+
+    return { earned, retained, totalEarned };
+};
diff --git a/packages/logic/test/inheritancePointCalculation.test.ts b/packages/logic/test/inheritancePointCalculation.test.ts
new file mode 100644
index 00000000..59da3989
--- /dev/null
+++ b/packages/logic/test/inheritancePointCalculation.test.ts
@@ -0,0 +1,107 @@
+import { describe, expect, it } from 'vitest';
+
+import {
+    ALL_MERGED_INHERITANCE_KEYS,
+    computeActiveInheritancePoint,
+    computeInheritanceSettlementBreakdown,
+} from '../src/inheritance/pointCalculation.js';
+
+describe('Ref inheritance point calculation', () => {
+    const general = {
+        meta: {
+            inherit_lived_month: 12,
+            max_domestic_critical: 20,
+            inherit_active_action: 0.5,
+            belong: 7,
+            max_belong: 9,
+            rank_warnum: 3,
+            firenum: 2,
+            dex1: 1_275_978,
+            dex2: 100,
+            event100_allstar: { granted: { dex2: 40 } },
+            betwin: 2,
+            betgold: 2_000,
+            betwingold: 1_000,
+        },
+        inheritancePoints: {
+            max_domestic_critical: 80,
+            unifier: 250,
+            tournament: 50,
+        },
+    };
+
+    it('keeps all ten Ref sources distinct', () => {
+        expect(ALL_MERGED_INHERITANCE_KEYS).toEqual([
+            'lived_month',
+            'max_domestic_critical',
+            'active_action',
+            'unifier',
+            'tournament',
+            'max_belong',
+            'combat',
+            'sabotage',
+            'dex',
+            'betting',
+        ]);
+        expect(
+            Object.fromEntries(
+                ALL_MERGED_INHERITANCE_KEYS.map((key) => [key, computeActiveInheritancePoint(general, key)])
+            )
+        ).toEqual({
+            lived_month: 12,
+            max_domestic_critical: 80,
+            active_action: 1.5,
+            unifier: 250,
+            tournament: 50,
+            max_belong: 90,
+            combat: 15,
+            sabotage: 40,
+            dex: 1_276.036,
+            betting: 5,
+        });
+    });
+
+    it('pays only Ref rebirth-enabled sources and retains the three delayed sources', () => {
+        const settlement = computeInheritanceSettlementBreakdown(general, true);
+
+        expect(settlement.earned).toEqual({
+            lived_month: 12,
+            max_domestic_critical: 0,
+            active_action: 1.5,
+            unifier: 0,
+            tournament: 50,
+            max_belong: 0,
+            combat: 15,
+            sabotage: 40,
+            dex: 638.018,
+            betting: 5,
+        });
+        expect(settlement.retained).toEqual({
+            max_domestic_critical: 80,
+            unifier: 250,
+            max_belong: 90,
+        });
+        expect(settlement.totalEarned).toBeCloseTo(761.518, 8);
+    });
+
+    it('uses the current domestic streak only as a live upgrade candidate for the stored maximum', () => {
+        expect(
+            computeActiveInheritancePoint(
+                {
+                    meta: { max_domestic_critical: 120 },
+                    inheritancePoints: { max_domestic_critical: 80 },
+                },
+                'max_domestic_critical'
+            )
+        ).toBe(120);
+        expect(
+            computeActiveInheritancePoint(
+                {
+                    meta: { max_domestic_critical: 0 },
+                    inheritancePoints: { max_domestic_critical: 80 },
+                },
+                'max_domestic_critical'
+            )
+        ).toBe(80);
+    });
+});
diff --git a/packages/logic/test/scenarios/general_commands_new.test.ts b/packages/logic/test/scenarios/general_commands_new.test.ts
index 13b67b0e..545983e0 100644
--- a/packages/logic/test/scenarios/general_commands_new.test.ts
+++ b/packages/logic/test/scenarios/general_commands_new.test.ts
@@ -251,7 +251,7 @@ describe('General Commands New Scenario', () => {
                 items: { horse: null, weapon: null, book: null, item: null },
             },
             triggerState: { flags: {}, counters: {}, modifiers: {}, meta: {} },
-            meta: { killturn: 24 },
+            meta: { killturn: 24, belong: 18, max_belong: 12 },
         };
 
         const snapshot: WorldSnapshot = {
@@ -390,6 +390,7 @@ describe('General Commands New Scenario', () => {
 
         const g1_after_resign = world.getGeneral(1)!;
         expect(g1_after_resign.nationId).toBe(0);
+        expect(g1_after_resign.meta.max_belong).toBe(18);
 
         // 6. Retire (Needs age >= 60)
         // Manually set age