diff --git a/app/apps/transactions/forms.py b/app/apps/transactions/forms.py
index f6f9b70..04fafe8 100644
--- a/app/apps/transactions/forms.py
+++ b/app/apps/transactions/forms.py
@@ -5,6 +5,7 @@ from apps.common.fields.forms.dynamic_select import (
     DynamicModelChoiceField,
     DynamicModelMultipleChoiceField,
 )
+from apps.common.middleware.thread_local import get_current_user
 from apps.common.widgets.crispy.daisyui import Switch
 from apps.common.widgets.crispy.submit import NoClassSubmit
 from apps.common.widgets.datepicker import AirDatePickerInput, AirMonthYearPickerInput
@@ -116,6 +117,9 @@ class TransactionForm(forms.ModelForm):
             self.fields["account"].queryset = Account.objects.filter(
                 is_archived=False,
             )
+            user_settings = get_current_user().settings
+            if user_settings.default_account:
+                self.fields["account"].initial = user_settings.default_account
 
             self.fields["category"].queryset = TransactionCategory.objects.filter(
                 active=True
@@ -768,6 +772,9 @@ class InstallmentPlanForm(forms.ModelForm):
             ).distinct()
         else:
             self.fields["account"].queryset = Account.objects.filter(is_archived=False)
+            user_settings = get_current_user().settings
+            if user_settings.default_account:
+                self.fields["account"].initial = user_settings.default_account
 
             self.fields["category"].queryset = TransactionCategory.objects.filter(
                 active=True
@@ -1010,6 +1017,10 @@ class RecurringTransactionForm(forms.ModelForm):
             ).distinct()
         else:
             self.fields["account"].queryset = Account.objects.filter(is_archived=False)
+            
+            user_settings = get_current_user().settings
+            if user_settings.default_account:
+                self.fields["account"].initial = user_settings.default_account
 
             self.fields["category"].queryset = TransactionCategory.objects.filter(
                 active=True
diff --git a/app/apps/users/forms.py b/app/apps/users/forms.py
index e48aaac..a2b06e9 100644
--- a/app/apps/users/forms.py
+++ b/app/apps/users/forms.py
@@ -1,6 +1,8 @@
 from apps.common.middleware.thread_local import get_current_user
 from apps.common.widgets.crispy.submit import NoClassSubmit
+from apps.common.widgets.tom_select import TomSelect
 from apps.users.models import UserSettings
+from apps.accounts.models import Account
 from crispy_forms.bootstrap import (
     FormActions,
 )
@@ -116,6 +118,15 @@ class UserSettingsForm(forms.ModelForm):
         label=_("Number Format"),
     )
 
+    default_account = forms.ModelChoiceField(
+        queryset=Account.objects.filter(
+            is_archived=False,
+        ),
+        label=_("Default Account"),
+        widget=TomSelect(clear_button=False, group_by="group"),
+        required=False,
+    )
+
     class Meta:
         model = UserSettings
         fields = [
@@ -126,11 +137,19 @@ class UserSettingsForm(forms.ModelForm):
             "datetime_format",
             "number_format",
             "volume",
+            "default_account",
         ]
+        widgets = {
+            "default_account": TomSelect(clear_button=False, group_by="group"),
+        }
 
     def __init__(self, *args, **kwargs):
         super().__init__(*args, **kwargs)
 
+        self.fields["default_account"].queryset = Account.objects.filter(
+            is_archived=False,
+        )
+
         self.helper = FormHelper()
         self.helper.form_tag = False
         self.helper.form_method = "post"
@@ -143,6 +162,7 @@ class UserSettingsForm(forms.ModelForm):
             "number_format",
             HTML('<hr class="hr my-3" />'),
             "start_page",
+            "default_account",
             HTML('<hr class="hr my-3" />'),
             "volume",
             FormActions(
diff --git a/app/apps/users/migrations/0024_usersettings_default_account.py b/app/apps/users/migrations/0024_usersettings_default_account.py
new file mode 100644
index 0000000..0523c80
--- /dev/null
+++ b/app/apps/users/migrations/0024_usersettings_default_account.py
@@ -0,0 +1,25 @@
+# Generated by Django 5.2.9 on 2026-02-15 21:35
+
+import django.db.models.deletion
+from django.db import migrations, models
+
+
+class Migration(migrations.Migration):
+    dependencies = [
+        ("accounts", "0016_account_untracked_by"),
+        ("users", "0023_alter_usersettings_timezone"),
+    ]
+
+    operations = [
+        migrations.AddField(
+            model_name="usersettings",
+            name="default_account",
+            field=models.ForeignKey(
+                blank=True,
+                null=True,
+                on_delete=django.db.models.deletion.SET_NULL,
+                to="accounts.account",
+                verbose_name="Default account",
+            ),
+        ),
+    ]
diff --git a/app/apps/users/migrations/0025_alter_usersettings_default_account.py b/app/apps/users/migrations/0025_alter_usersettings_default_account.py
new file mode 100644
index 0000000..d10bef2
--- /dev/null
+++ b/app/apps/users/migrations/0025_alter_usersettings_default_account.py
@@ -0,0 +1,20 @@
+# Generated by Django 5.2.9 on 2026-02-16 01:32
+
+import django.db.models.deletion
+from django.db import migrations, models
+
+
+class Migration(migrations.Migration):
+
+    dependencies = [
+        ('accounts', '0016_account_untracked_by'),
+        ('users', '0024_usersettings_default_account'),
+    ]
+
+    operations = [
+        migrations.AlterField(
+            model_name='usersettings',
+            name='default_account',
+            field=models.ForeignKey(blank=True, help_text='Selects the account by default when creating new transactions', null=True, on_delete=django.db.models.deletion.SET_NULL, to='accounts.account', verbose_name='Default account'),
+        ),
+    ]
diff --git a/app/apps/users/models.py b/app/apps/users/models.py
index 6f286c7..d1e4b32 100644
--- a/app/apps/users/models.py
+++ b/app/apps/users/models.py
@@ -510,6 +510,14 @@ class UserSettings(models.Model):
         default=StartPage.MONTHLY,
         verbose_name=_("Start page"),
     )
+    default_account = models.ForeignKey(
+        "accounts.Account",
+        on_delete=models.SET_NULL,
+        verbose_name=_("Default account"),
+        help_text=_("Selects the account by default when creating new transactions"),
+        blank=True,
+        null=True,
+    )
 
     def __str__(self):
         return f"{self.user.email}'s settings"