diff --git a/app/controllers/settings/hostings_controller.rb b/app/controllers/settings/hostings_controller.rb
index a32f9a17e..6d5dddaee 100644
--- a/app/controllers/settings/hostings_controller.rb
+++ b/app/controllers/settings/hostings_controller.rb
@@ -8,6 +8,7 @@ class Settings::HostingsController < ApplicationController
     llm_context_window: 256,
     llm_max_response_tokens: 64,
     llm_max_items_per_call: 1,
+    openai_request_timeout: Provider::Openai::MIN_REQUEST_TIMEOUT,
     ai_response_timeout: Chat::MIN_RESPONSE_TIMEOUT.to_i
   }.freeze
 
@@ -270,9 +271,10 @@ class Settings::HostingsController < ApplicationController
   end
 
   private
+    # Strong parameters for the self-hosting settings form.
     def hosting_params
       return ActionController::Parameters.new unless params.key?(:setting)
-      params.require(:setting).permit(:onboarding_state, :require_email_confirmation, :invite_only_default_family_id, :brand_fetch_client_id, :brand_fetch_high_res_logos, :twelve_data_api_key, :tiingo_api_key, :eodhd_api_key, :alpha_vantage_api_key, :tinkoff_invest_api_key, :rentcast_api_key, :realie_api_key, :openai_access_token, :openai_uri_base, :openai_model, :openai_json_mode, :anthropic_access_token, :anthropic_base_url, :anthropic_model, :llm_provider, :llm_context_window, :llm_max_response_tokens, :llm_max_items_per_call, :ai_response_timeout, :exchange_rate_provider, :securities_provider, :syncs_include_pending, :auto_sync_enabled, :auto_sync_time, :external_assistant_url, :external_assistant_token, :external_assistant_agent_id, securities_providers: [])
+      params.require(:setting).permit(:onboarding_state, :require_email_confirmation, :invite_only_default_family_id, :brand_fetch_client_id, :brand_fetch_high_res_logos, :twelve_data_api_key, :tiingo_api_key, :eodhd_api_key, :alpha_vantage_api_key, :tinkoff_invest_api_key, :rentcast_api_key, :realie_api_key, :openai_access_token, :openai_uri_base, :openai_model, :openai_json_mode, :anthropic_access_token, :anthropic_base_url, :anthropic_model, :llm_provider, :llm_context_window, :llm_max_response_tokens, :llm_max_items_per_call, :openai_request_timeout, :ai_response_timeout, :exchange_rate_provider, :securities_provider, :syncs_include_pending, :auto_sync_enabled, :auto_sync_time, :external_assistant_url, :external_assistant_token, :external_assistant_agent_id, securities_providers: [])
     end
 
     def update_assistant_type
diff --git a/app/models/ai_health.rb b/app/models/ai_health.rb
index c3e4f86ab..92ccddeac 100644
--- a/app/models/ai_health.rb
+++ b/app/models/ai_health.rb
@@ -339,11 +339,12 @@ class AiHealth
       ENV["OPENAI_ACCESS_TOKEN"].presence || Setting.openai_access_token
     end
 
+    # Reports the timeout used by normal LLM requests for the selected provider.
     def request_timeout(provider)
       if provider == :anthropic
         ENV.fetch("ANTHROPIC_REQUEST_TIMEOUT", 600).to_i
       else
-        ENV.fetch("OPENAI_REQUEST_TIMEOUT", 60).to_i
+        Provider::Openai.request_timeout
       end
     end
 
diff --git a/app/models/provider/openai.rb b/app/models/provider/openai.rb
index af44ee3b1..29c095ce9 100644
--- a/app/models/provider/openai.rb
+++ b/app/models/provider/openai.rb
@@ -5,6 +5,8 @@ class Provider::Openai < Provider
   Error = Class.new(Provider::Error)
 
   DEFAULT_MODEL = "gpt-4.1".freeze
+  DEFAULT_REQUEST_TIMEOUT = 60
+  MIN_REQUEST_TIMEOUT = 1
   SUPPORTED_MODELS = %w[gpt-4 gpt-5 o1 o3].freeze
   VISION_CAPABLE_MODEL_PREFIXES = %w[gpt-4o gpt-4-turbo gpt-4.1 gpt-5 o1 o3].freeze
 
@@ -18,12 +20,23 @@ class Provider::Openai < Provider
     ENV["OPENAI_ACCESS_TOKEN"].present? || Setting.openai_access_token.present?
   end
 
+  # Effective per-request HTTP timeout for OpenAI-compatible calls.
+  # Precedence matches other self-hosting settings: ENV > Setting > default.
+  def self.request_timeout
+    configured = ENV["OPENAI_REQUEST_TIMEOUT"].to_s.strip.to_i
+    configured = Setting.openai_request_timeout.to_i unless configured.positive?
+    return DEFAULT_REQUEST_TIMEOUT unless configured.positive?
+
+    [ configured, MIN_REQUEST_TIMEOUT ].max
+  end
+
+  # Builds a client that uses the effective request timeout for every OpenAI call.
   def initialize(access_token, uri_base: nil, model: nil)
     client_options = { access_token: access_token }
     llm_uri_base = uri_base.presence
     llm_model = model.presence
     client_options[:uri_base] = llm_uri_base if llm_uri_base.present?
-    client_options[:request_timeout] = ENV.fetch("OPENAI_REQUEST_TIMEOUT", 60).to_i
+    client_options[:request_timeout] = self.class.request_timeout
 
     @client = ::OpenAI::Client.new(**client_options)
     @uri_base = llm_uri_base
diff --git a/app/models/setting.rb b/app/models/setting.rb
index deed1d5a6..8db7e878d 100644
--- a/app/models/setting.rb
+++ b/app/models/setting.rb
@@ -10,6 +10,7 @@ class Setting < RailsSettings::Base
   field :openai_uri_base, type: :string, default: ENV["OPENAI_URI_BASE"]
   field :openai_model, type: :string, default: ENV["OPENAI_MODEL"]
   field :openai_json_mode, type: :string, default: ENV["LLM_JSON_MODE"]
+  field :openai_request_timeout, type: :integer, default: ENV["OPENAI_REQUEST_TIMEOUT"]&.to_i
   field :anthropic_access_token, type: :string, default: ENV["ANTHROPIC_ACCESS_TOKEN"].presence || ENV["ANTHROPIC_API_KEY"].presence
   field :anthropic_model, type: :string, default: ENV["ANTHROPIC_MODEL"]
   field :anthropic_base_url, type: :string, default: ENV["ANTHROPIC_BASE_URL"]
diff --git a/app/models/vector_store/openai.rb b/app/models/vector_store/openai.rb
index 43d487826..9159ac749 100644
--- a/app/models/vector_store/openai.rb
+++ b/app/models/vector_store/openai.rb
@@ -7,10 +7,11 @@
 # OpenAI manages chunking, embedding, and retrieval; we simply upload files
 # and issue search queries.
 class VectorStore::Openai < VectorStore::Base
+  # Builds a vector-store client with the same OpenAI request timeout as chat and batch calls.
   def initialize(access_token:, uri_base: nil)
     client_options = { access_token: access_token }
     client_options[:uri_base] = uri_base if uri_base.present?
-    client_options[:request_timeout] = ENV.fetch("OPENAI_REQUEST_TIMEOUT", 60).to_i
+    client_options[:request_timeout] = Provider::Openai.request_timeout
 
     @client = ::OpenAI::Client.new(**client_options)
   end
diff --git a/app/views/settings/hostings/_openai_settings.html.erb b/app/views/settings/hostings/_openai_settings.html.erb
index f9dac08ba..12284eac3 100644
--- a/app/views/settings/hostings/_openai_settings.html.erb
+++ b/app/views/settings/hostings/_openai_settings.html.erb
@@ -103,8 +103,17 @@
   </div>
 
   <div class="pt-4 border-t border-secondary">
-    <h3 class="font-medium mb-1"><%= t(".ai_response_timeout_heading") %></h3>
-    <p class="text-xs text-secondary mb-3"><%= t(".ai_response_timeout_description") %></p>
+    <h3 class="font-medium mb-1"><%= t(".timeout_heading") %></h3>
+    <p class="text-xs text-secondary mb-3"><%= t(".timeout_description") %></p>
+
+    <%= form.number_field :openai_request_timeout,
+                          label: t(".openai_request_timeout_label"),
+                          placeholder: Provider::Openai::DEFAULT_REQUEST_TIMEOUT.to_s,
+                          value: ENV["OPENAI_REQUEST_TIMEOUT"].present? ? Provider::Openai.request_timeout : Setting.openai_request_timeout,
+                          min: Provider::Openai::MIN_REQUEST_TIMEOUT,
+                          disabled: ENV["OPENAI_REQUEST_TIMEOUT"].present?,
+                          data: { "auto-submit-form-target": "auto" } %>
+    <p class="text-xs text-secondary mt-1 mb-3"><%= t(".openai_request_timeout_help") %></p>
 
     <%= form.number_field :ai_response_timeout,
                           label: t(".ai_response_timeout_label"),
diff --git a/config/locales/views/settings/hostings/en.yml b/config/locales/views/settings/hostings/en.yml
index 23af61131..fdd79c9de 100644
--- a/config/locales/views/settings/hostings/en.yml
+++ b/config/locales/views/settings/hostings/en.yml
@@ -143,10 +143,12 @@ en:
         max_response_tokens_help: "Tokens reserved for the model's reply. Default: 512. Lower to free up room for longer history."
         max_items_per_call_label: Max Items Per Batch (Optional)
         max_items_per_call_help: "Upper bound for auto-categorize / merchant detection batches. Default: 25. Larger batches are auto-sliced to fit the context window."
-        ai_response_timeout_heading: Chat Response Timeout
-        ai_response_timeout_description: How long the chat waits for the assistant before showing a "no response" error. Raise this if you run a local model on slow hardware — responses from OpenAI-compatible providers are not streamed, and tool-call rounds display nothing, so the chat can sit on "Thinking…" for the whole turn.
+        timeout_heading: Timeouts
+        timeout_description: Controls how long OpenAI-compatible model calls may run before Sure gives up. Raise these if you run a local model on slow hardware.
+        openai_request_timeout_label: Request Timeout in Seconds (Optional)
+        openai_request_timeout_help: "Default: 60. Applies to each OpenAI-compatible HTTP request, including auto-categorization, merchant detection, chat, PDF processing, and vector-store calls. OPENAI_REQUEST_TIMEOUT overrides this field."
         ai_response_timeout_label: Response Timeout in Seconds (Optional)
-        ai_response_timeout_help: "Default: 90. This covers the whole turn, so size it as a sum: (1 + ASSISTANT_MAX_TOOL_CALL_ITERATIONS) × OPENAI_REQUEST_TIMEOUT, plus tool execution and queue time. Lowering ASSISTANT_MAX_TOOL_CALL_ITERATIONS reduces how large this needs to be, and is often the better lever on slow hardware."
+        ai_response_timeout_help: "Default: 90. Applies only to chat's whole-turn watchdog, so size it as a sum: (1 + ASSISTANT_MAX_TOOL_CALL_ITERATIONS) × request timeout, plus tool execution and queue time. AI_RESPONSE_TIMEOUT overrides this field."
         title: OpenAI
       yahoo_finance_settings:
         title: Yahoo Finance
diff --git a/config/locales/views/settings/hostings/es.yml b/config/locales/views/settings/hostings/es.yml
index 6e3004ef3..db449a2fc 100644
--- a/config/locales/views/settings/hostings/es.yml
+++ b/config/locales/views/settings/hostings/es.yml
@@ -143,10 +143,12 @@ es:
         max_response_tokens_help: 'Tokens reservados para la respuesta del modelo. Predeterminado: 512. Bájalo para dejar sitio a un historial más largo.'
         max_items_per_call_label: Elementos máximos por lote (opcional)
         max_items_per_call_help: 'Límite superior para los lotes de categorización automática / detección de comercios. Predeterminado: 25. Los lotes más grandes se dividen automáticamente para caber en la ventana de contexto.'
-        ai_response_timeout_heading: Tiempo de espera de respuesta del chat
-        ai_response_timeout_description: Cuánto tiempo espera el chat al asistente antes de mostrar un error de "sin respuesta". Auméntalo si ejecutas un modelo local en hardware lento; las respuestas de proveedores compatibles con OpenAI no se transmiten por streaming, y las rondas de llamadas a herramientas no muestran nada, así que el chat puede quedarse en "Pensando..." durante todo el turno.
+        timeout_heading: Tiempos de espera
+        timeout_description: Controla cuánto tiempo pueden ejecutarse las llamadas a modelos compatibles con OpenAI antes de que Sure las cancele. Auméntalos si ejecutas un modelo local en hardware lento.
+        openai_request_timeout_label: Tiempo de espera de solicitud en segundos (opcional)
+        openai_request_timeout_help: "Predeterminado: 60. Se aplica a cada solicitud HTTP compatible con OpenAI, incluida la categorización automática, la detección de comercios, el chat, el procesamiento de PDF y las llamadas al almacén vectorial. OPENAI_REQUEST_TIMEOUT sobrescribe este campo."
         ai_response_timeout_label: Tiempo de espera de respuesta en segundos (opcional)
-        ai_response_timeout_help: 'Predeterminado: 90. Cubre todo el turno, así que dimensiona este valor como una suma: (1 + ASSISTANT_MAX_TOOL_CALL_ITERATIONS) × OPENAI_REQUEST_TIMEOUT, más el tiempo de ejecución de herramientas y cola. Reducir ASSISTANT_MAX_TOOL_CALL_ITERATIONS disminuye cuánto debe crecer este valor y suele ser la mejor palanca en hardware lento.'
+        ai_response_timeout_help: "Predeterminado: 90. Solo se aplica al monitor de turno completo del chat, así que dimensiona este valor como una suma: (1 + ASSISTANT_MAX_TOOL_CALL_ITERATIONS) × tiempo de espera de solicitud, más el tiempo de ejecución de herramientas y cola. AI_RESPONSE_TIMEOUT sobrescribe este campo."
         title: OpenAI
       yahoo_finance_settings:
         title: Yahoo Finance
diff --git a/docs/hosting/ai.md b/docs/hosting/ai.md
index f32c44992..15fb6469b 100644
--- a/docs/hosting/ai.md
+++ b/docs/hosting/ai.md
@@ -220,7 +220,7 @@ OPENAI_MODEL=llama3.1:13b
 # have enough prompt budget for categories + schemas before transaction rows are added.
 LLM_CONTEXT_WINDOW=8192
 
-# Slow local models often need a longer HTTP timeout once the prompt budget issue is fixed.
+# Slow local models often need a longer per-request HTTP timeout once the prompt budget issue is fixed.
 OPENAI_REQUEST_TIMEOUT=180
 
 # Chained tool calls per turn. Each iteration is another call to the model, so
@@ -245,7 +245,7 @@ AI_DEBUG_MODE=true
 - The `OPENAI_ACCESS_TOKEN` can be any non-empty value (Ollama ignores it)
 - If you don't set a model, chats will fail with a validation error
 - Auto-categorization uses a conservative default `LLM_CONTEXT_WINDOW=2048`, so large category lists or schemas can exhaust the prompt budget before any transactions are sent
-- If requests start timing out after raising `LLM_CONTEXT_WINDOW`, increase `OPENAI_REQUEST_TIMEOUT` too; these are separate limits
+- If requests start timing out after raising `LLM_CONTEXT_WINDOW`, increase `OPENAI_REQUEST_TIMEOUT` too; these are separate limits. You can also set this in **Settings → Self-Hosting → OpenAI → Request Timeout** when the environment variable is not configured.
 - Responses from custom providers are **not streamed** — the chat shows "Thinking…" until the entire reply is generated, and a turn that chains tool calls stays there through every round, since tool-call responses have no text to display. If the chat errors while your model is clearly still working, raise `AI_RESPONSE_TIMEOUT` or lower `ASSISTANT_MAX_TOOL_CALL_ITERATIONS`; `OPENAI_REQUEST_TIMEOUT` alone will not help. `AI_RESPONSE_TIMEOUT` has to cover the whole turn, so size it as `(1 + ASSISTANT_MAX_TOOL_CALL_ITERATIONS) × OPENAI_REQUEST_TIMEOUT` plus tool execution and queue wait — a sum, not simply a larger number than the per-call limit
 
 ### Docker Compose Example
@@ -1181,7 +1181,7 @@ Keeping the full eight iterations at 300s per call would instead need `9 × 300
 
 If `AI_RESPONSE_TIMEOUT` ends up below what the turn actually takes, you get a generic "no response" instead of the specific timeout error, and the job keeps running and burning tokens after the chat has given up.
 
-`AI_RESPONSE_TIMEOUT` can also be set at **Settings → Self-Hosting → OpenAI → Chat Response Timeout**, which takes effect without a restart. The environment variable wins if both are set. The minimum accepted value is `30`.
+`OPENAI_REQUEST_TIMEOUT` and `AI_RESPONSE_TIMEOUT` can also be set at **Settings → Self-Hosting → OpenAI → Timeouts**, which takes effect without a restart when the corresponding environment variable is not configured. Environment variables win over the settings fields. The minimum accepted chat response timeout is `30`.
 
 Restart `web` and `worker` after changing the environment variables, and make sure your Docker Compose file forwards them into the containers.
 
diff --git a/test/controllers/settings/hostings_controller_test.rb b/test/controllers/settings/hostings_controller_test.rb
index cd328164e..e557670fc 100644
--- a/test/controllers/settings/hostings_controller_test.rb
+++ b/test/controllers/settings/hostings_controller_test.rb
@@ -27,7 +27,7 @@ class Settings::HostingsControllerTest < ActionDispatch::IntegrationTest
   teardown do
     # These tests persist global Setting.* values; reset them so state can't
     # leak into later (order-dependent) tests.
-    %i[anthropic_access_token anthropic_base_url anthropic_model llm_provider twelve_data_api_key openai_access_token external_assistant_token rentcast_api_key realie_api_key].each do |key|
+    %i[anthropic_access_token anthropic_base_url anthropic_model llm_provider twelve_data_api_key openai_access_token openai_request_timeout ai_response_timeout external_assistant_token rentcast_api_key realie_api_key].each do |key|
       Setting.public_send("#{key}=", nil)
     end
   end
@@ -550,28 +550,38 @@ class Settings::HostingsControllerTest < ActionDispatch::IntegrationTest
       patch settings_hosting_url, params: { setting: {
         llm_context_window: "4096",
         llm_max_response_tokens: "1024",
-        llm_max_items_per_call: "40"
+        llm_max_items_per_call: "40",
+        openai_request_timeout: "180",
+        ai_response_timeout: "240"
       } }
 
       assert_redirected_to settings_hosting_url
       assert_equal 4096, Setting.llm_context_window
       assert_equal 1024, Setting.llm_max_response_tokens
       assert_equal 40, Setting.llm_max_items_per_call
+      assert_equal 180, Setting.openai_request_timeout
+      assert_equal 240, Setting.ai_response_timeout
 
       patch settings_hosting_url, params: { setting: {
         llm_context_window: "",
         llm_max_response_tokens: "",
-        llm_max_items_per_call: ""
+        llm_max_items_per_call: "",
+        openai_request_timeout: "",
+        ai_response_timeout: ""
       } }
 
       assert_nil Setting.llm_context_window
       assert_nil Setting.llm_max_response_tokens
       assert_nil Setting.llm_max_items_per_call
+      assert_nil Setting.openai_request_timeout
+      assert_nil Setting.ai_response_timeout
     end
   ensure
     Setting.llm_context_window = nil
     Setting.llm_max_response_tokens = nil
     Setting.llm_max_items_per_call = nil
+    Setting.openai_request_timeout = nil
+    Setting.ai_response_timeout = nil
   end
 
   test "rejects llm budget below field minimum" do
@@ -593,11 +603,33 @@ class Settings::HostingsControllerTest < ActionDispatch::IntegrationTest
       assert_response :unprocessable_entity
       assert_match(/must be a whole number/, flash[:alert])
       assert_nil Setting.llm_max_items_per_call
+
+      patch settings_hosting_url, params: { setting: { openai_request_timeout: "0" } }
+
+      assert_response :unprocessable_entity
+      assert_match(/must be a whole number/, flash[:alert])
+      assert_nil Setting.openai_request_timeout
     end
   ensure
     Setting.llm_context_window = nil
     Setting.llm_max_response_tokens = nil
     Setting.llm_max_items_per_call = nil
+    Setting.openai_request_timeout = nil
+  end
+
+  test "shows environment backed OpenAI request timeout when field is disabled" do
+    with_self_hosting do
+      Setting.openai_request_timeout = 180
+
+      with_env_overrides("OPENAI_REQUEST_TIMEOUT" => "300") do
+        get settings_hosting_url
+
+        assert_response :success
+        assert_select "input[name='setting[openai_request_timeout]'][value='300'][disabled='disabled']"
+      end
+    end
+  ensure
+    Setting.openai_request_timeout = nil
   end
 
   test "can clear data only when admin" do
diff --git a/test/models/provider/openai_test.rb b/test/models/provider/openai_test.rb
index 652716c6a..10716bc9c 100644
--- a/test/models/provider/openai_test.rb
+++ b/test/models/provider/openai_test.rb
@@ -8,6 +8,32 @@ class Provider::OpenaiTest < ActiveSupport::TestCase
     @subject_model = "gpt-4.1"
   end
 
+  test "request_timeout uses ENV then Setting then default" do
+    Setting.stubs(:openai_request_timeout).returns(nil)
+    with_env_overrides("OPENAI_REQUEST_TIMEOUT" => nil) do
+      assert_equal Provider::Openai::DEFAULT_REQUEST_TIMEOUT, Provider::Openai.request_timeout
+    end
+
+    Setting.stubs(:openai_request_timeout).returns(180)
+    with_env_overrides("OPENAI_REQUEST_TIMEOUT" => nil) do
+      assert_equal 180, Provider::Openai.request_timeout
+    end
+
+    Setting.stubs(:openai_request_timeout).returns(180)
+    with_env_overrides("OPENAI_REQUEST_TIMEOUT" => "300") do
+      assert_equal 300, Provider::Openai.request_timeout
+    end
+  end
+
+  test "request_timeout is passed to OpenAI client" do
+    with_env_overrides("OPENAI_REQUEST_TIMEOUT" => nil) do
+      Setting.stubs(:openai_request_timeout).returns(180)
+      ::OpenAI::Client.expects(:new).with(access_token: "test-token", request_timeout: 180).returns(mock)
+
+      Provider::Openai.new("test-token")
+    end
+  end
+
   test "openai errors are automatically raised" do
     VCR.use_cassette("openai/chat/error") do
       response = @openai.chat_response("Test", model: "invalid-model-that-will-trigger-api-error")