A personal finance platform that runs entirely on your device. No server. No account. No way for anyone — including us — to see your data.
Choose a passphrase. Meridian derives an encryption key using PBKDF2 with 310,000 iterations — the same key derivation used in password managers. Your passphrase is never stored anywhere.
Add investment accounts, holdings, budget categories, income streams, loans, goals, insurance policies, and tax residency information. Paste from spreadsheets or import CSV files from your broker.
Every piece of data is encrypted with AES-256-GCM before being stored in your browser's local storage. The encryption happens in your browser — the data never leaves your device in unencrypted form.
Dashboard with insights, portfolio performance with attribution, budget tracking with trends, retirement planning with Monte Carlo simulation, tax residency monitoring, net worth tracking across currencies — all calculated locally on your device.
Click Lock or close the browser. Your data is encrypted at rest. The passphrase exists only in memory during your session and is cleared when you lock. After 15 minutes of inactivity, the vault locks automatically.
We literally cannot see your data. There is no server, no database, no account system. Your encrypted vault exists only on your device. If you lose your passphrase, the data is gone — we cannot reset it.
13 currencies with live ECB exchange rates. Holdings across 32 global exchanges. Tax residency tracking with the UK Statutory Residence Test. Budget categories in any currency. Net worth across jurisdictions.
If you're tracking your finances in a 47-tab Google Sheet with VLOOKUP formulas converting GBP dividends to AED while monitoring 183-day thresholds, Meridian replaces all of it in one encrypted app.
Connect your own Anthropic API key and ask Claude about your finances. "Am I on track for retirement?" "Is my portfolio diversified enough?" The AI sees your complete financial picture and gives specific, data-driven answers.
No sign-up required. Start with the free tier or load sample data to explore.