diff --git a/config/settings/local.py b/config/settings/local.py
new file mode 100644
index 0000000..f1bea93
--- /dev/null
+++ b/config/settings/local.py
@@ -0,0 +1,50 @@
+"""
+Local development settings — no Docker required.
+Uses SQLite instead of PostgreSQL and dummy cache instead of Redis.
+Use: set DJANGO_SETTINGS_MODULE=config.settings.local
+"""
+from .base import *  # noqa
+
+# --------------------------------------------------------------------------- #
+# Database: SQLite (no PostgreSQL / Docker needed)
+# --------------------------------------------------------------------------- #
+DATABASES = {
+    'default': {
+        'ENGINE': 'django.db.backends.sqlite3',
+        'NAME': BASE_DIR / 'db.sqlite3',
+    }
+}
+
+# --------------------------------------------------------------------------- #
+# Cache: local-memory (no Redis needed)
+# --------------------------------------------------------------------------- #
+CACHES = {
+    'default': {
+        'BACKEND': 'django.core.cache.backends.locmem.LocMemCache',
+    }
+}
+
+# --------------------------------------------------------------------------- #
+# Celery: run tasks eagerly in-process (no broker needed)
+# --------------------------------------------------------------------------- #
+CELERY_TASK_ALWAYS_EAGER = True
+CELERY_TASK_EAGER_PROPAGATES = True
+CELERY_BROKER_URL = 'memory://'
+CELERY_RESULT_BACKEND = 'cache+memory://'
+
+# --------------------------------------------------------------------------- #
+# Email: print to console
+# --------------------------------------------------------------------------- #
+EMAIL_BACKEND = 'django.core.mail.backends.console.EmailBackend'
+
+# --------------------------------------------------------------------------- #
+# Debug & CORS
+# --------------------------------------------------------------------------- #
+DEBUG = True
+ALLOWED_HOSTS = ['*']
+CORS_ALLOW_ALL_ORIGINS = True
+
+# Centrifugo (dummy values for local dev — endpoints won't publish)
+CENTRIFUGO_API_URL = 'http://localhost:8001/api'
+CENTRIFUGO_SECRET = 'local-dev-hmac-secret'
+CENTRIFUGO_API_KEY = 'local-dev-api-key'