diff --git a/kis_agent/account/balance_query_api.py b/kis_agent/account/balance_query_api.py
index 91d748a..addaf84 100644
--- a/kis_agent/account/balance_query_api.py
+++ b/kis_agent/account/balance_query_api.py
@@ -28,22 +28,33 @@ def __init__(
 
     def get_account_balance(self) -> Optional[Dict]:
         """계좌 잔고 조회. output1=보유종목, output2=요약(예수금/총평가/순자산)."""
+        is_irp = self.account["ACNT_PRDT_CD"] == "29"
+        endpoint = (
+            "/uapi/domestic-stock/v1/trading/inquire-balance"
+            if not is_irp
+            else "/uapi/domestic-stock/v1/trading/pension/inquire-balance"
+        )
+        tr_id = "TTTC8434R" if not is_irp else "TTTC2208R"
+        params = {
+            "CANO": self.account["CANO"],
+            "ACNT_PRDT_CD": self.account["ACNT_PRDT_CD"],
+            "INQR_DVSN": "01" if not is_irp else "00",
+            "CTX_AREA_FK100": "",
+            "CTX_AREA_NK100": "",
+        }
+        if not is_irp:
+            params["AFHR_FLPR_YN"] = "N"
+            params["OFL_YN"] = ""
+            params["UNPR_DVSN"] = "01"
+            params["FUND_STTL_ICLD_YN"] = "N"
+            params["FNCG_AMT_AUTO_RDPT_YN"] = "N"
+            params["PRCS_DVSN"] = "00"
+        else:
+            params["ACCA_DVSN_CD"] = "00"
         return self._make_request_dict(
-            endpoint="/uapi/domestic-stock/v1/trading/inquire-balance",
-            tr_id="TTTC8434R",
-            params={
-                "CANO": self.account["CANO"],
-                "ACNT_PRDT_CD": self.account["ACNT_PRDT_CD"],
-                "AFHR_FLPR_YN": "N",
-                "OFL_YN": "",
-                "INQR_DVSN": "01",
-                "UNPR_DVSN": "01",
-                "FUND_STTL_ICLD_YN": "N",
-                "FNCG_AMT_AUTO_RDPT_YN": "N",
-                "PRCS_DVSN": "00",
-                "CTX_AREA_FK100": "",
-                "CTX_AREA_NK100": "",
-            },
+            endpoint=endpoint,
+            tr_id=tr_id,
+            params=params,
         )
 
     def get_cash_available(
@@ -192,18 +203,31 @@ def inquire_psbl_order(
     ) -> Optional[Dict]:
         """매수가능 조회. ord_psbl_cash/max_buy_qty/ord_psbl_qty 반환."""
         try:
+            is_irp = self.account["ACNT_PRDT_CD"] == "29"
+            endpoint = (
+                "/uapi/domestic-stock/v1/trading/inquire-psbl-order"
+                if not is_irp
+                else "/uapi/domestic-stock/v1/trading/pension/inquire-psbl-order"
+            )
+            tr_id = (
+                "TTTC8908R" if not is_irp else "TTTC0503R"
+            )  # 모의투자 변환은 client.make_request가 처리
+            params = {
+                "CANO": self.account["CANO"],
+                "ACNT_PRDT_CD": self.account["ACNT_PRDT_CD"],
+                "PDNO": pdno,
+                "ORD_UNPR": str(price),
+                "ORD_DVSN": ord_dvsn,
+                "CMA_EVLU_AMT_ICLD_YN": "Y",
+            }
+            if not is_irp:
+                params["OVRS_ICLD_YN"] = "N"
+            else:
+                params["ACCA_DVSN_CD"] = "00"
             res = self.client.make_request(
-                endpoint="/uapi/domestic-stock/v1/trading/inquire-psbl-order",
-                tr_id="TTTC8908R",  # 모의투자 변환은 client.make_request가 처리
-                params={
-                    "CANO": self.account["CANO"],
-                    "ACNT_PRDT_CD": self.account["ACNT_PRDT_CD"],
-                    "PDNO": pdno,
-                    "ORD_UNPR": str(price),
-                    "ORD_DVSN": ord_dvsn,
-                    "CMA_EVLU_AMT_ICLD_YN": "Y",
-                    "OVRS_ICLD_YN": "N",
-                },
+                endpoint=endpoint,
+                tr_id=tr_id,  # 모의투자 변환은 client.make_request가 처리
+                params=params,
             )
             if res and res.get("rt_cd") == "0":
                 return res.get("output", {})
diff --git a/kis_agent/core/auth.py b/kis_agent/core/auth.py
index 8b1bd72..57604b8 100644
--- a/kis_agent/core/auth.py
+++ b/kis_agent/core/auth.py
@@ -363,6 +363,10 @@ def changeTREnv(
         svr == "prod" and product == "03" or svr == "prod" and product == "08"
     ):  # 실전투자 선물옵션(파생)
         cfg["my_acct"] = _cfg.get("my_acct_future", "")
+    elif svr == "prod" and product == "22":  # 연금계좌
+        cfg["my_acct"] = _cfg.get("my_acct_stock", "")
+    elif svr == "prod" and product == "29":  # IRP. 주문 불가. 계좌조회/시세조회만 가능
+        cfg["my_acct"] = _cfg.get("my_acct_stock", "")
     elif svr == "vps" and product == "01":  # 모의투자 주식투자, 위탁계좌, 투자계좌
         cfg["my_acct"] = _cfg.get("my_paper_stock", "")
     elif svr == "vps" and product == "03":  # 모의투자 선물옵션(파생)