diff --git a/internal/app/app.go b/internal/app/app.go
index 174fd28..307f11f 100644
--- a/internal/app/app.go
+++ b/internal/app/app.go
@@ -87,8 +87,8 @@ func New(cfg *config.Config) (*App, error) {
 	inviteService := service.NewInviteService(invitationRepository, spaceRepository, userRepository, emailService)
 	moneyAccountService := service.NewMoneyAccountService(moneyAccountRepository)
 	paymentMethodService := service.NewPaymentMethodService(paymentMethodRepository)
-	recurringExpenseService := service.NewRecurringExpenseService(recurringExpenseRepository, expenseRepository)
-	recurringDepositService := service.NewRecurringDepositService(recurringDepositRepository, moneyAccountRepository, expenseService)
+	recurringExpenseService := service.NewRecurringExpenseService(recurringExpenseRepository, expenseRepository, profileRepository)
+	recurringDepositService := service.NewRecurringDepositService(recurringDepositRepository, moneyAccountRepository, expenseService, profileRepository)
 	budgetService := service.NewBudgetService(budgetRepository)
 	reportService := service.NewReportService(expenseRepository)
 
diff --git a/internal/db/migrations/00015_add_timezone_to_profiles.sql b/internal/db/migrations/00015_add_timezone_to_profiles.sql
new file mode 100644
index 0000000..e4f6e8c
--- /dev/null
+++ b/internal/db/migrations/00015_add_timezone_to_profiles.sql
@@ -0,0 +1,5 @@
+-- +goose Up
+ALTER TABLE profiles ADD COLUMN timezone TEXT;
+
+-- +goose Down
+ALTER TABLE profiles DROP COLUMN IF EXISTS timezone;
diff --git a/internal/handler/settings.go b/internal/handler/settings.go
index bf80a63..e96d54a 100644
--- a/internal/handler/settings.go
+++ b/internal/handler/settings.go
@@ -13,17 +13,27 @@ import (
 )
 
 type settingsHandler struct {
-	authService *service.AuthService
-	userService *service.UserService
+	authService    *service.AuthService
+	userService    *service.UserService
+	profileService *service.ProfileService
 }
 
-func NewSettingsHandler(authService *service.AuthService, userService *service.UserService) *settingsHandler {
+func NewSettingsHandler(authService *service.AuthService, userService *service.UserService, profileService *service.ProfileService) *settingsHandler {
 	return &settingsHandler{
-		authService: authService,
-		userService: userService,
+		authService:    authService,
+		userService:    userService,
+		profileService: profileService,
 	}
 }
 
+func (h *settingsHandler) currentTimezone(r *http.Request) string {
+	profile := ctxkeys.Profile(r.Context())
+	if profile != nil && profile.Timezone != nil {
+		return *profile.Timezone
+	}
+	return "UTC"
+}
+
 func (h *settingsHandler) SettingsPage(w http.ResponseWriter, r *http.Request) {
 	user := ctxkeys.User(r.Context())
 
@@ -35,7 +45,7 @@ func (h *settingsHandler) SettingsPage(w http.ResponseWriter, r *http.Request) {
 		return
 	}
 
-	ui.Render(w, r, pages.AppSettings(fullUser.HasPassword(), ""))
+	ui.Render(w, r, pages.AppSettings(fullUser.HasPassword(), "", h.currentTimezone(r)))
 }
 
 func (h *settingsHandler) SetPassword(w http.ResponseWriter, r *http.Request) {
@@ -53,6 +63,8 @@ func (h *settingsHandler) SetPassword(w http.ResponseWriter, r *http.Request) {
 		return
 	}
 
+	currentTz := h.currentTimezone(r)
+
 	err = h.authService.SetPassword(user.ID, currentPassword, newPassword, confirmPassword)
 	if err != nil {
 		slog.Warn("set password failed", "error", err, "user_id", user.ID)
@@ -66,12 +78,12 @@ func (h *settingsHandler) SetPassword(w http.ResponseWriter, r *http.Request) {
 			msg = "Password must be at least 12 characters"
 		}
 
-		ui.Render(w, r, pages.AppSettings(fullUser.HasPassword(), msg))
+		ui.Render(w, r, pages.AppSettings(fullUser.HasPassword(), msg, currentTz))
 		return
 	}
 
 	// Password set successfully — render page with success toast
-	ui.Render(w, r, pages.AppSettings(true, ""))
+	ui.Render(w, r, pages.AppSettings(true, "", currentTz))
 	ui.RenderToast(w, r, toast.Toast(toast.Props{
 		Title:       "Password updated",
 		Variant:     toast.VariantSuccess,
@@ -80,3 +92,37 @@ func (h *settingsHandler) SetPassword(w http.ResponseWriter, r *http.Request) {
 		Duration:    5000,
 	}))
 }
+
+func (h *settingsHandler) SetTimezone(w http.ResponseWriter, r *http.Request) {
+	user := ctxkeys.User(r.Context())
+	tz := r.FormValue("timezone")
+
+	fullUser, err := h.userService.ByID(user.ID)
+	if err != nil {
+		slog.Error("failed to fetch user for set timezone", "error", err, "user_id", user.ID)
+		http.Error(w, "Internal Server Error", http.StatusInternalServerError)
+		return
+	}
+
+	err = h.profileService.UpdateTimezone(user.ID, tz)
+	if err != nil {
+		slog.Warn("set timezone failed", "error", err, "user_id", user.ID)
+
+		msg := "Invalid timezone selected"
+		if !errors.Is(err, service.ErrInvalidTimezone) {
+			msg = "An error occurred. Please try again."
+		}
+
+		ui.Render(w, r, pages.AppSettings(fullUser.HasPassword(), msg, h.currentTimezone(r)))
+		return
+	}
+
+	ui.Render(w, r, pages.AppSettings(fullUser.HasPassword(), "", tz))
+	ui.RenderToast(w, r, toast.Toast(toast.Props{
+		Title:       "Timezone updated",
+		Variant:     toast.VariantSuccess,
+		Icon:        true,
+		Dismissible: true,
+		Duration:    5000,
+	}))
+}
diff --git a/internal/model/profile.go b/internal/model/profile.go
index 32ef07a..1df43ce 100644
--- a/internal/model/profile.go
+++ b/internal/model/profile.go
@@ -6,6 +6,20 @@ type Profile struct {
 	ID        string    `db:"id"`
 	UserID    string    `db:"user_id"`
 	Name      string    `db:"name"`
+	Timezone  *string   `db:"timezone"`
 	CreatedAt time.Time `db:"created_at"`
 	UpdatedAt time.Time `db:"updated_at"`
 }
+
+// Location returns the *time.Location for this profile's timezone.
+// Returns UTC if timezone is nil or invalid.
+func (p *Profile) Location() *time.Location {
+	if p.Timezone == nil || *p.Timezone == "" {
+		return time.UTC
+	}
+	loc, err := time.LoadLocation(*p.Timezone)
+	if err != nil {
+		return time.UTC
+	}
+	return loc
+}
diff --git a/internal/repository/profile.go b/internal/repository/profile.go
index c37b191..c25c30a 100644
--- a/internal/repository/profile.go
+++ b/internal/repository/profile.go
@@ -18,6 +18,7 @@ type ProfileRepository interface {
 	Create(profile *model.Profile) (string, error)
 	ByUserID(userID string) (*model.Profile, error)
 	UpdateName(userID, name string) error
+	UpdateTimezone(userID, timezone string) error
 }
 
 type profileRepository struct {
@@ -61,6 +62,28 @@ func (r *profileRepository) ByUserID(userID string) (*model.Profile, error) {
 	return &profile, nil
 }
 
+func (r *profileRepository) UpdateTimezone(userID, timezone string) error {
+	result, err := r.db.Exec(`
+		UPDATE profiles
+		SET timezone = $1, updated_at = $2
+		WHERE user_id = $3
+		`, timezone, time.Now(), userID)
+
+	if err != nil {
+		return err
+	}
+
+	rows, err := result.RowsAffected()
+	if err != nil {
+		return err
+	}
+	if rows == 0 {
+		return fmt.Errorf("no profile found for user_id: %s", userID)
+	}
+
+	return nil
+}
+
 func (r *profileRepository) UpdateName(userID, name string) error {
 	result, err := r.db.Exec(`
 		UPDATE profiles
diff --git a/internal/routes/routes.go b/internal/routes/routes.go
index f63a599..1c51117 100644
--- a/internal/routes/routes.go
+++ b/internal/routes/routes.go
@@ -13,7 +13,7 @@ import (
 func SetupRoutes(a *app.App) http.Handler {
 	auth := handler.NewAuthHandler(a.AuthService, a.InviteService, a.SpaceService)
 	home := handler.NewHomeHandler()
-	settings := handler.NewSettingsHandler(a.AuthService, a.UserService)
+	settings := handler.NewSettingsHandler(a.AuthService, a.UserService, a.ProfileService)
 	space := handler.NewSpaceHandler(a.SpaceService, a.TagService, a.ShoppingListService, a.ExpenseService, a.InviteService, a.MoneyAccountService, a.PaymentMethodService, a.RecurringExpenseService, a.RecurringDepositService, a.BudgetService, a.ReportService)
 
 	mux := http.NewServeMux()
@@ -59,6 +59,7 @@ func SetupRoutes(a *app.App) http.Handler {
 	mux.Handle("POST /app/spaces", crudLimiter(middleware.RequireAuth(space.CreateSpace)))
 	mux.HandleFunc("GET /app/settings", middleware.RequireAuth(settings.SettingsPage))
 	mux.HandleFunc("POST /app/settings/password", authRateLimiter(middleware.RequireAuth(settings.SetPassword)))
+	mux.HandleFunc("POST /app/settings/timezone", middleware.RequireAuth(settings.SetTimezone))
 
 	// Space routes — wrapping order: Auth(SpaceAccess(handler))
 	// Auth runs first (outer), then SpaceAccess (inner), then the handler.
diff --git a/internal/service/profile.go b/internal/service/profile.go
index 95cda4d..54d99f3 100644
--- a/internal/service/profile.go
+++ b/internal/service/profile.go
@@ -1,10 +1,15 @@
 package service
 
 import (
+	"errors"
+	"time"
+
 	"git.juancwu.dev/juancwu/budgit/internal/model"
 	"git.juancwu.dev/juancwu/budgit/internal/repository"
 )
 
+var ErrInvalidTimezone = errors.New("invalid timezone")
+
 type ProfileService struct {
 	profileRepository repository.ProfileRepository
 }
@@ -18,3 +23,10 @@ func NewProfileService(profileRepository repository.ProfileRepository) *ProfileS
 func (s *ProfileService) ByUserID(userID string) (*model.Profile, error) {
 	return s.profileRepository.ByUserID(userID)
 }
+
+func (s *ProfileService) UpdateTimezone(userID, timezone string) error {
+	if _, err := time.LoadLocation(timezone); err != nil {
+		return ErrInvalidTimezone
+	}
+	return s.profileRepository.UpdateTimezone(userID, timezone)
+}
diff --git a/internal/service/recurring_deposit.go b/internal/service/recurring_deposit.go
index efb0aa2..bace5df 100644
--- a/internal/service/recurring_deposit.go
+++ b/internal/service/recurring_deposit.go
@@ -36,13 +36,15 @@ type RecurringDepositService struct {
 	recurringRepo  repository.RecurringDepositRepository
 	accountRepo    repository.MoneyAccountRepository
 	expenseService *ExpenseService
+	profileRepo    repository.ProfileRepository
 }
 
-func NewRecurringDepositService(recurringRepo repository.RecurringDepositRepository, accountRepo repository.MoneyAccountRepository, expenseService *ExpenseService) *RecurringDepositService {
+func NewRecurringDepositService(recurringRepo repository.RecurringDepositRepository, accountRepo repository.MoneyAccountRepository, expenseService *ExpenseService, profileRepo repository.ProfileRepository) *RecurringDepositService {
 	return &RecurringDepositService{
 		recurringRepo:  recurringRepo,
 		accountRepo:    accountRepo,
 		expenseService: expenseService,
+		profileRepo:    profileRepo,
 	}
 }
 
@@ -161,8 +163,10 @@ func (s *RecurringDepositService) ProcessDueRecurrences(now time.Time) error {
 		return fmt.Errorf("failed to get due recurring deposits: %w", err)
 	}
 
+	tzCache := make(map[string]*time.Location)
 	for _, rd := range dues {
-		if err := s.processRecurrence(rd, now); err != nil {
+		userNow := s.getUserNow(rd.CreatedBy, now, tzCache)
+		if err := s.processRecurrence(rd, userNow); err != nil {
 			slog.Error("failed to process recurring deposit", "id", rd.ID, "error", err)
 		}
 	}
@@ -175,14 +179,30 @@ func (s *RecurringDepositService) ProcessDueRecurrencesForSpace(spaceID string,
 		return fmt.Errorf("failed to get due recurring deposits for space: %w", err)
 	}
 
+	tzCache := make(map[string]*time.Location)
 	for _, rd := range dues {
-		if err := s.processRecurrence(rd, now); err != nil {
+		userNow := s.getUserNow(rd.CreatedBy, now, tzCache)
+		if err := s.processRecurrence(rd, userNow); err != nil {
 			slog.Error("failed to process recurring deposit", "id", rd.ID, "error", err)
 		}
 	}
 	return nil
 }
 
+func (s *RecurringDepositService) getUserNow(userID string, now time.Time, cache map[string]*time.Location) time.Time {
+	if loc, ok := cache[userID]; ok {
+		return now.In(loc)
+	}
+
+	loc := time.UTC
+	profile, err := s.profileRepo.ByUserID(userID)
+	if err == nil && profile != nil {
+		loc = profile.Location()
+	}
+	cache[userID] = loc
+	return now.In(loc)
+}
+
 func (s *RecurringDepositService) getAvailableBalance(spaceID string) (int, error) {
 	totalBalance, err := s.expenseService.GetBalanceForSpace(spaceID)
 	if err != nil {
diff --git a/internal/service/recurring_expense.go b/internal/service/recurring_expense.go
index 0a4a581..d72ed8d 100644
--- a/internal/service/recurring_expense.go
+++ b/internal/service/recurring_expense.go
@@ -38,12 +38,14 @@ type UpdateRecurringExpenseDTO struct {
 type RecurringExpenseService struct {
 	recurringRepo repository.RecurringExpenseRepository
 	expenseRepo   repository.ExpenseRepository
+	profileRepo   repository.ProfileRepository
 }
 
-func NewRecurringExpenseService(recurringRepo repository.RecurringExpenseRepository, expenseRepo repository.ExpenseRepository) *RecurringExpenseService {
+func NewRecurringExpenseService(recurringRepo repository.RecurringExpenseRepository, expenseRepo repository.ExpenseRepository, profileRepo repository.ProfileRepository) *RecurringExpenseService {
 	return &RecurringExpenseService{
 		recurringRepo: recurringRepo,
 		expenseRepo:   expenseRepo,
+		profileRepo:   profileRepo,
 	}
 }
 
@@ -176,8 +178,10 @@ func (s *RecurringExpenseService) ProcessDueRecurrences(now time.Time) error {
 		return fmt.Errorf("failed to get due recurrences: %w", err)
 	}
 
+	tzCache := make(map[string]*time.Location)
 	for _, re := range dues {
-		if err := s.processRecurrence(re, now); err != nil {
+		userNow := s.getUserNow(re.CreatedBy, now, tzCache)
+		if err := s.processRecurrence(re, userNow); err != nil {
 			slog.Error("failed to process recurring expense", "id", re.ID, "error", err)
 		}
 	}
@@ -190,8 +194,10 @@ func (s *RecurringExpenseService) ProcessDueRecurrencesForSpace(spaceID string,
 		return fmt.Errorf("failed to get due recurrences for space: %w", err)
 	}
 
+	tzCache := make(map[string]*time.Location)
 	for _, re := range dues {
-		if err := s.processRecurrence(re, now); err != nil {
+		userNow := s.getUserNow(re.CreatedBy, now, tzCache)
+		if err := s.processRecurrence(re, userNow); err != nil {
 			slog.Error("failed to process recurring expense", "id", re.ID, "error", err)
 		}
 	}
@@ -247,6 +253,22 @@ func (s *RecurringExpenseService) processRecurrence(re *model.RecurringExpense,
 	return s.recurringRepo.UpdateNextOccurrence(re.ID, re.NextOccurrence)
 }
 
+// getUserNow converts the server time to the user's local time based on their
+// profile timezone setting. Falls back to UTC if no timezone is set.
+func (s *RecurringExpenseService) getUserNow(userID string, now time.Time, cache map[string]*time.Location) time.Time {
+	if loc, ok := cache[userID]; ok {
+		return now.In(loc)
+	}
+
+	loc := time.UTC
+	profile, err := s.profileRepo.ByUserID(userID)
+	if err == nil && profile != nil {
+		loc = profile.Location()
+	}
+	cache[userID] = loc
+	return now.In(loc)
+}
+
 func AdvanceDate(date time.Time, freq model.Frequency) time.Time {
 	switch freq {
 	case model.FrequencyDaily:
diff --git a/internal/timezone/timezones.go b/internal/timezone/timezones.go
new file mode 100644
index 0000000..ed21ec0
--- /dev/null
+++ b/internal/timezone/timezones.go
@@ -0,0 +1,59 @@
+package timezone
+
+type TimezoneOption struct {
+	Value string
+	Label string
+}
+
+func CommonTimezones() []TimezoneOption {
+	return []TimezoneOption{
+		{Value: "UTC", Label: "UTC"},
+		{Value: "America/New_York", Label: "Eastern Time (US & Canada)"},
+		{Value: "America/Chicago", Label: "Central Time (US & Canada)"},
+		{Value: "America/Denver", Label: "Mountain Time (US & Canada)"},
+		{Value: "America/Los_Angeles", Label: "Pacific Time (US & Canada)"},
+		{Value: "America/Anchorage", Label: "Alaska"},
+		{Value: "Pacific/Honolulu", Label: "Hawaii"},
+		{Value: "America/Phoenix", Label: "Arizona"},
+		{Value: "America/Toronto", Label: "Toronto"},
+		{Value: "America/Vancouver", Label: "Vancouver"},
+		{Value: "America/Edmonton", Label: "Edmonton"},
+		{Value: "America/Winnipeg", Label: "Winnipeg"},
+		{Value: "America/Halifax", Label: "Atlantic Time (Canada)"},
+		{Value: "America/St_Johns", Label: "Newfoundland"},
+		{Value: "America/Mexico_City", Label: "Mexico City"},
+		{Value: "America/Bogota", Label: "Bogota"},
+		{Value: "America/Lima", Label: "Lima"},
+		{Value: "America/Santiago", Label: "Santiago"},
+		{Value: "America/Argentina/Buenos_Aires", Label: "Buenos Aires"},
+		{Value: "America/Sao_Paulo", Label: "Sao Paulo"},
+		{Value: "Europe/London", Label: "London"},
+		{Value: "Europe/Paris", Label: "Paris"},
+		{Value: "Europe/Berlin", Label: "Berlin"},
+		{Value: "Europe/Madrid", Label: "Madrid"},
+		{Value: "Europe/Rome", Label: "Rome"},
+		{Value: "Europe/Amsterdam", Label: "Amsterdam"},
+		{Value: "Europe/Zurich", Label: "Zurich"},
+		{Value: "Europe/Stockholm", Label: "Stockholm"},
+		{Value: "Europe/Helsinki", Label: "Helsinki"},
+		{Value: "Europe/Warsaw", Label: "Warsaw"},
+		{Value: "Europe/Istanbul", Label: "Istanbul"},
+		{Value: "Europe/Moscow", Label: "Moscow"},
+		{Value: "Asia/Dubai", Label: "Dubai"},
+		{Value: "Asia/Kolkata", Label: "India (Kolkata)"},
+		{Value: "Asia/Bangkok", Label: "Bangkok"},
+		{Value: "Asia/Singapore", Label: "Singapore"},
+		{Value: "Asia/Hong_Kong", Label: "Hong Kong"},
+		{Value: "Asia/Shanghai", Label: "Shanghai"},
+		{Value: "Asia/Tokyo", Label: "Tokyo"},
+		{Value: "Asia/Seoul", Label: "Seoul"},
+		{Value: "Australia/Sydney", Label: "Sydney"},
+		{Value: "Australia/Melbourne", Label: "Melbourne"},
+		{Value: "Australia/Perth", Label: "Perth"},
+		{Value: "Australia/Brisbane", Label: "Brisbane"},
+		{Value: "Pacific/Auckland", Label: "Auckland"},
+		{Value: "Africa/Cairo", Label: "Cairo"},
+		{Value: "Africa/Johannesburg", Label: "Johannesburg"},
+		{Value: "Africa/Lagos", Label: "Lagos"},
+	}
+}
diff --git a/internal/ui/pages/app_settings.templ b/internal/ui/pages/app_settings.templ
index 01fec07..ec1163d 100644
--- a/internal/ui/pages/app_settings.templ
+++ b/internal/ui/pages/app_settings.templ
@@ -1,6 +1,7 @@
 package pages
 
 import (
+	"git.juancwu.dev/juancwu/budgit/internal/timezone"
 	"git.juancwu.dev/juancwu/budgit/internal/ui/layouts"
 	"git.juancwu.dev/juancwu/budgit/internal/ui/components/button"
 	"git.juancwu.dev/juancwu/budgit/internal/ui/components/csrf"
@@ -8,15 +9,55 @@ import (
 	"git.juancwu.dev/juancwu/budgit/internal/ui/components/input"
 	"git.juancwu.dev/juancwu/budgit/internal/ui/components/label"
 	"git.juancwu.dev/juancwu/budgit/internal/ui/components/card"
+	"git.juancwu.dev/juancwu/budgit/internal/ui/components/selectbox"
 )
 
-templ AppSettings(hasPassword bool, errorMsg string) {
+templ AppSettings(hasPassword bool, errorMsg string, currentTimezone string) {
 	@layouts.App("Settings") {
 		<div class="container max-w-2xl px-6 py-8">
 			<div class="mb-8">
 				<h1 class="text-3xl font-bold">Settings</h1>
 				<p class="text-muted-foreground mt-2">Manage your account settings</p>
 			</div>
+			@card.Card() {
+				@card.Header() {
+					@card.Title() {
+						Timezone
+					}
+					@card.Description() {
+						Set your timezone for recurring expenses and reports
+					}
+				}
+				@card.Content() {
+					<form action="/app/settings/timezone" method="POST" class="space-y-4">
+						@csrf.Token()
+						@form.Item() {
+							@label.Label(label.Props{
+								For:   "timezone",
+								Class: "block mb-2",
+							}) {
+								Timezone
+							}
+							@selectbox.SelectBox(selectbox.Props{ID: "timezone-select"}) {
+								@selectbox.Trigger(selectbox.TriggerProps{Name: "timezone"}) {
+									@selectbox.Value(selectbox.ValueProps{Placeholder: "Select timezone"})
+								}
+								@selectbox.Content(selectbox.ContentProps{SearchPlaceholder: "Search timezones..."}) {
+									for _, tz := range timezone.CommonTimezones() {
+										@selectbox.Item(selectbox.ItemProps{Value: tz.Value, Selected: tz.Value == currentTimezone}) {
+											{ tz.Label }
+										}
+									}
+								}
+							}
+						}
+						@button.Submit() {
+							Update Timezone
+						}
+					</form>
+				}
+			}
+			<div class="mt-6"></div>
 			@card.Card() {
 				@card.Header() {
 					@card.Title() {