diff --git a/src/lib/daily/__tests__/load-digest.test.ts b/src/lib/daily/__tests__/load-digest.test.ts
index c52a90995..631dd4b65 100644
--- a/src/lib/daily/__tests__/load-digest.test.ts
+++ b/src/lib/daily/__tests__/load-digest.test.ts
@@ -63,6 +63,7 @@ import { readDashboardSnapshotCached } from "@/lib/dashboard/snapshot-read";
 import { resolveModuleMap } from "@/lib/modules/gate";
 import { probeRollupCoverage } from "@/lib/rollups/measurement-coverage";
 import { loadIntradayPulse } from "@/lib/analytics/intraday-pulse-io";
+import { readDayMeanSeries } from "@/lib/insights/derived/baseline";
 import { __resetAllCachesForTests } from "@/lib/cache/server-cache";
 import { invalidateUserMeasurements } from "@/lib/cache/invalidate";
 import { PRIORITY_ITEM_KINDS } from "@/lib/daily/priority-item";
@@ -118,6 +119,36 @@ beforeEach(() => {
   vi.mocked(aiCapabilityToServe).mockResolvedValue(AI_AVAILABLE);
 });
 
+describe("loadDailyDigest — milestone day", () => {
+  // 21:30 on 16 July in New York is already 17 July in UTC. A best set at
+  // 19:00 local that evening was reached today, on the user's calendar.
+  const NY_USER = { ...USER, timezone: "America/New_York" } as User;
+  const NY_EVENING = new Date("2026-07-17T01:30:00.000Z");
+
+  it("keys today and a new record on the user's own day", async () => {
+    vi.mocked(prisma.personalRecord.findMany).mockResolvedValueOnce([
+      {
+        metricType: "RESTING_HEART_RATE",
+        achievedAt: new Date("2026-07-16T23:00:00.000Z"),
+      },
+    ] as never);
+
+    const digest = await loadDailyDigest(NY_USER, NY_EVENING);
+
+    expect(digest.worthALook.some((i) => i.kind === "milestone")).toBe(true);
+  });
+
+  it("folds the streak series on the user's days", async () => {
+    vi.mocked(probeRollupCoverage).mockResolvedValue(
+      new Map([["RESTING_HEART_RATE", true]]) as never,
+    );
+    await loadDailyDigest(NY_USER, NY_EVENING);
+    const calls = vi.mocked(readDayMeanSeries).mock.calls;
+    expect(calls.length).toBeGreaterThan(0);
+    for (const call of calls) expect(call[5]).toBe("America/New_York");
+  });
+});
+
 describe("loadDailyDigest — S11/S12 extras cache", () => {
   it("gathers the milestone + tension inputs once, then serves the second poll from cache", async () => {
     await loadDailyDigest(USER, NOW);
diff --git a/src/lib/daily/load-digest.ts b/src/lib/daily/load-digest.ts
index b85fb5311..dcfebbdb3 100644
--- a/src/lib/daily/load-digest.ts
+++ b/src/lib/daily/load-digest.ts
@@ -101,11 +101,6 @@ const MILESTONE_STREAK_WINDOW_DAYS = 30;
 /** How far back to scan for a just-set personal best (a couple of days is ample). */
 const MILESTONE_RECORD_LOOKBACK_MS = 2 * 24 * 60 * 60 * 1000;
 
-/** UTC-ISO day key — the space the streak series + rollup tier already emit. */
-function utcDayKey(date: Date): string {
-  return date.toISOString().slice(0, 10);
-}
-
 /**
  * S12 — gather today's single freshly-reached milestone (or null) from the
  * engines that ALREADY exist. Two cheap, fail-soft reads reused verbatim:
@@ -117,9 +112,13 @@ function utcDayKey(date: Date): string {
  */
 async function gatherFreshMilestone(
   userId: string,
+  timezone: string,
   now: Date,
 ): Promise<Milestone | null> {
-  const todayKey = utcDayKey(now);
+  // Every day key here is the user's own calendar day: today's key, the
+  // streak series (folded on local days) and each record's day. UTC keys
+  // named tomorrow "today" through a New York evening.
+  const todayKey = userDayKey(now, timezone);
   const candidates: Milestone[] = [];
 
   const coverage = await probeRollupCoverage(userId).catch(() => null);
@@ -133,6 +132,7 @@ async function gatherFreshMilestone(
             MILESTONE_STREAK_WINDOW_DAYS,
             now,
             coverage,
+            timezone,
           );
           if (points.length === 0) return [] as Milestone[];
           const series: StreakPoint[] = points.map((p) => ({
@@ -164,7 +164,10 @@ async function gatherFreshMilestone(
     });
     for (const record of records) {
       candidates.push(
-        milestoneFromRecord(record.metricType, utcDayKey(record.achievedAt)),
+        milestoneFromRecord(
+          record.metricType,
+          userDayKey(record.achievedAt, timezone),
+        ),
       );
     }
   } catch {
@@ -234,7 +237,7 @@ async function loadDailyDigestExtrasCached(
       // internally (a milestone read-hiccup or a tension-read failure leaves
       // its own field quiet rather than breaking the other).
       const [milestone, tensionWindow, sameTime] = await Promise.all([
-        gatherFreshMilestone(userId, now),
+        gatherFreshMilestone(userId, timezone, now),
         loadIntradayPulse(userId, timezone, todayLocalDate)
           .then((r) => (r.tension ? { partOfDay: r.tension.partOfDay } : null))
           .catch(() => null),
diff --git a/src/lib/insights/derived/baseline.ts b/src/lib/insights/derived/baseline.ts
index d6319880f..821ab52d6 100644
--- a/src/lib/insights/derived/baseline.ts
+++ b/src/lib/insights/derived/baseline.ts
@@ -220,6 +220,10 @@ export function buildBaselineBand(
  * Rollup tier first (DAY-native, `mean` composes); per-type bounded
  * live-SQL fallback on a coverage miss. Returns the series plus the
  * provenance source the read resolved against.
+ *
+ * Days are UTC days, the DAY rollup grain. A caller that compares the days
+ * with the user's own calendar (today's key, a record's local day) passes
+ * `timeZone`; the series is then folded live on the user's local days.
  */
 export async function readDayMeanSeries(
   userId: string,
@@ -227,8 +231,9 @@ export async function readDayMeanSeries(
   windowDays: number,
   now: Date,
   coverage: RollupCoverageMap,
+  timeZone?: string,
 ): Promise<{ points: DayMeanPoint[]; source: DerivedProvenanceSource }> {
-  const hasBuckets = coverage.get(type) === true;
+  const hasBuckets = timeZone === undefined && coverage.get(type) === true;
 
   if (hasBuckets) {
     // DAY granularity only — the spread invariant forbids composing a
@@ -266,13 +271,14 @@ export async function readDayMeanSeries(
   // stored value the application declares impossible would drag the day's
   // mean with it and the median would carry it into the band. A day whose
   // every reading is implausible produces no point at all. Days are UTC
-  // days, matching the DAY rollup path above.
+  // days, matching the DAY rollup path above, unless the caller asked for
+  // the user's own days.
   const since = new Date(now.getTime() - windowDays * 24 * 60 * 60 * 1000);
   const days = await readDayAggregates({
     userId,
     type,
     since,
-    timeZone: "UTC",
+    timeZone: timeZone ?? "UTC",
     valueRange: plausibleMetricRange(type),
   });
   const points = days.map((d) => ({ day: d.day, mean: d.sum / d.n }));