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+{ pkgs, ... }:
+
+# Actual Budget - local-first personal finance application.
+#
+# Uses the NixOS native module (services.actual) available in nixpkgs 24.11+.
+# On first visit to https://budget.karanj.com the app prompts you to set a
+# server password in the browser - no pre-configuration needed.
+#
+# All budget data is stored in /var/lib/actual (persists across reboots).
+{
+  services.actual = {
+    enable = true;
+
+    settings = {
+      # Listen on localhost only; Caddy handles public HTTPS
+      hostname = "127.0.0.1";
+      port = 5006;
+
+      # Tell Actual its public URL so HTTPS redirects work correctly
+      serverFiles = "/var/lib/actual/server-files";
+      userFiles = "/var/lib/actual/user-files";
+    };
+  };
+
+  # Ensure data directory exists with correct ownership
+  systemd.tmpfiles.rules = [
+    "d /var/lib/actual 0750 actual actual -"
+    "d /var/lib/actual/server-files 0750 actual actual -"
+    "d /var/lib/actual/user-files 0750 actual actual -"
+  ];
+}