diff --git a/backend/internal/service/account_usage_service.go b/backend/internal/service/account_usage_service.go
index 6dee6c13..8f7a7f41 100644
--- a/backend/internal/service/account_usage_service.go
+++ b/backend/internal/service/account_usage_service.go
@@ -2,6 +2,7 @@ package service
 
 import (
 	"context"
+	"encoding/json"
 	"fmt"
 	"log"
 	"strings"
@@ -666,15 +667,30 @@ func (s *AccountUsageService) estimateSetupTokenUsage(account *Account) *UsageIn
 			remaining = 0
 		}
 
-		// 根据状态估算使用率 (百分比形式，100 = 100%)
+		// 优先使用响应头中存储的真实 utilization 值（0-1 小数，转为 0-100 百分比）
 		var utilization float64
-		switch account.SessionWindowStatus {
-		case "rejected":
-			utilization = 100.0
-		case "allowed_warning":
-			utilization = 80.0
-		default:
-			utilization = 0.0
+		var found bool
+		if stored, ok := account.Extra["session_window_utilization"]; ok {
+			switch v := stored.(type) {
+			case float64:
+				utilization = v * 100
+				found = true
+			case json.Number:
+				if f, err := v.Float64(); err == nil {
+					utilization = f * 100
+					found = true
+				}
+			}
+		}
+
+		// 如果没有存储的 utilization，回退到状态估算
+		if !found {
+			switch account.SessionWindowStatus {
+			case "rejected":
+				utilization = 100.0
+			case "allowed_warning":
+				utilization = 80.0
+			}
 		}
 
 		info.FiveHour = &UsageProgress{
diff --git a/backend/internal/service/ratelimit_service.go b/backend/internal/service/ratelimit_service.go
index 9f16fb2b..f8f3154b 100644
--- a/backend/internal/service/ratelimit_service.go
+++ b/backend/internal/service/ratelimit_service.go
@@ -970,12 +970,27 @@ func (s *RateLimitService) UpdateSessionWindow(ctx context.Context, account *Acc
 		windowStart = &start
 		windowEnd = &end
 		slog.Info("account_session_window_initialized", "account_id", account.ID, "window_start", start, "window_end", end, "status", status)
+		// 窗口重置时清除旧的 utilization，避免残留上个窗口的数据
+		_ = s.accountRepo.UpdateExtra(ctx, account.ID, map[string]any{
+			"session_window_utilization": nil,
+		})
 	}
 
 	if err := s.accountRepo.UpdateSessionWindow(ctx, account.ID, windowStart, windowEnd, status); err != nil {
 		slog.Warn("session_window_update_failed", "account_id", account.ID, "error", err)
 	}
 
+	// 存储真实的 utilization 值（0-1 小数），供 estimateSetupTokenUsage 使用
+	if utilStr := headers.Get("anthropic-ratelimit-unified-5h-utilization"); utilStr != "" {
+		if util, err := strconv.ParseFloat(utilStr, 64); err == nil {
+			if err := s.accountRepo.UpdateExtra(ctx, account.ID, map[string]any{
+				"session_window_utilization": util,
+			}); err != nil {
+				slog.Warn("session_window_utilization_update_failed", "account_id", account.ID, "error", err)
+			}
+		}
+	}
+
 	// 如果状态为allowed且之前有限流，说明窗口已重置，清除限流状态
 	if status == "allowed" && account.IsRateLimited() {
 		if err := s.ClearRateLimit(ctx, account.ID); err != nil {