diff --git a/lib/comm_plan/all.go b/lib/comm_plan/all.go
index bcc9ed1..c926e8b 100644
--- a/lib/comm_plan/all.go
+++ b/lib/comm_plan/all.go
@@ -205,6 +205,9 @@ func sameMoney(lv, isOnlySubsidy int, restAmt, profit, peerRate, totalRatio, res
 	if opt.UserRate == nil {
 		return 0, restAmt, totalRatio, peerRate, subsidyFee, true
 	}
+	if opt.UserRate[lv] == nil {
+		return 0, restAmt, totalRatio, peerRate, subsidyFee, true
+	}
 	//极差返利
 	if opt.UserRate[lv].PayMode == 0 && isOnlySubsidy == 0 {
 		restAmt -= profit // 剩余可分