diff --git a/src/SetupScreen.tsx b/src/SetupScreen.tsx
index 8c78b9c..8147667 100644
--- a/src/SetupScreen.tsx
+++ b/src/SetupScreen.tsx
@@ -21,9 +21,22 @@ function isValidUrl(url: string): boolean {
   }
 }
 
+// Plain http:// (to anything but loopback) sends the password in cleartext during
+// the native login POST. Warn and require an explicit acknowledgement.
+function isInsecureUrl(url: string): boolean {
+  try {
+    const u = new URL(url);
+    if (u.protocol !== 'http:') return false;
+    return !(u.hostname === 'localhost' || u.hostname === '127.0.0.1' || u.hostname === '::1');
+  } catch {
+    return false;
+  }
+}
+
 export default function SetupScreen({ onConnect, onLocalMode }: Props) {
   const [url, setUrl] = useState('');
   const [error, setError] = useState('');
+  const [insecureAck, setInsecureAck] = useState(false);
   const [connecting, setConnecting] = useState(false);
 
   function handleConnect() {
@@ -32,6 +45,12 @@ export default function SetupScreen({ onConnect, onLocalMode }: Props) {
       setError('Enter a valid URL, e.g. https://bills.yourdomain.com');
       return;
     }
+    // First tap on an insecure URL: warn and require a second, explicit tap.
+    if (isInsecureUrl(normalized) && !insecureAck) {
+      setError('');
+      setInsecureAck(true);
+      return;
+    }
     setError('');
     setConnecting(true);
     onConnect(normalized);
@@ -69,11 +88,17 @@ export default function SetupScreen({ onConnect, onLocalMode }: Props) {
             spellCheck={false}
             placeholder="https://bills.yourdomain.com"
             value={url}
-            onChange={e => { setUrl(e.target.value); setError(''); }}
+            onChange={e => { setUrl(e.target.value); setError(''); setInsecureAck(false); }}
             onKeyDown={handleKey}
             disabled={connecting}
           />
           {error && <p className="form-error">{error}</p>}
+          {insecureAck && (
+            <p className="form-error">
+              This is an insecure <strong>http://</strong> address — your password will be sent
+              unencrypted. Only continue on a network you trust. Tap again to connect anyway.
+            </p>
+          )}
           <p className="form-hint">
             The address of your Bill Tracker server. Must be reachable from this device.
           </p>
@@ -84,7 +109,7 @@ export default function SetupScreen({ onConnect, onLocalMode }: Props) {
           onClick={handleConnect}
           disabled={connecting || !url.trim()}
         >
-          {connecting ? 'Connecting…' : 'Continue'}
+          {connecting ? 'Connecting…' : insecureAck ? 'Connect anyway' : 'Continue'}
         </button>
 
         <div className="divider">