Total portfolio
$0
Capital vs. Market Growth
Separating money you added from money the market made. The gap between the lines is your true investment gain — not deposits.
Swipe chart horizontally →
Allocation
By sector, across all accounts
Cash flow forecast
Projected 90-day balance from income, expenses, and loan payments
Income vs. expenses
From saved budget history
Time-Weighted vs. Money-Weighted Return
TWR strips out deposit timing. MWR reflects your actual dollar experience.
Monthly returns
Drawdown
Portfolio vs. benchmark
Compare your return against a standard index
Return breakdown
Performance attribution
What drove your returns — by sector, currency, and individual contribution
Portfolio value history
Tracked daily from your holdings. More data points build over time.
Accounts
All investment accounts. Click values to edit.
📁 Drop CSV/PDF here to import holdings or browse
Positions
Watchlist
Securities you're monitoring. Not positions — tracking only.
Net worth over time
Assets minus liabilities, converted to base currency
Composition
Assets & liabilities
Alternative assets
Real estate, vehicles, collectibles, art, private equity, and other non-market assets.
Scenario planner
Edit any value below and the projection updates live. All figures are illustrative estimates, not guarantees.
Projection to life expectancy
Accumulation then drawdown, inflation-adjusted. Active scenario filled; others dashed.
Monte Carlo simulation
1,000 randomised return paths based on active scenario. Shows probability bands.
Scenario assumptions
Click any value to editBudget planner
Click any value to edit. Save the month to build history.
Planned vs. actual
History by saved month — includes income
Spending by category
Current period
Income streams
All sources converted to display currency
Monthly history
Saved monthly snapshots. This data feeds the bar chart above.
Category targets
Set spending limits per category with progress tracking
Spending trends by category
Top categories over saved months
Loans & obligations
Monthly payments auto-sync to budget. Balances update net worth liabilities.
📄 Drop a loan agreement here for AI analysis or browse
Payoff optimizer
Compare snowball (smallest balance first) vs avalanche (highest rate first) strategies. Both assume you redirect freed payments to the next loan.
Repayment schedule
Projected payoff timeline for all active loans
Financial goals
Set targets and track progress. Goals pull from your real balances.
The daily briefing summarises movements and flags concentration against your guardrails. It is descriptive, not advice — no buy/sell recommendation is implied.
Security model: read-only connections only, no trade execution.
Broker adapters
Generic integration layerBank & cash accounts
Track balances. Import statements to cross-check expenses.
📄 Drop bank statement CSV here or browse
Transaction history
Imported or manually added transactions. Pending entries need confirmation before they sync to budget.
Document vault
Upload and store documents. All files stay in your encrypted vault on this device.
📄 Drop files here or browse
Stored documents
Tax residency & day tracker
Track days spent in each jurisdiction. This is a counting tool — it does not determine your tax status. Consult a qualified tax adviser.
Day log
Jurisdiction summary
Days by country. Thresholds are common reference points — your obligations depend on your specific circumstances.
Travel timeline
Visual map of your movements for the selected period
UK Statutory Residence Test
Simplified assessment based on HMRC guidance. Not a substitute for professional advice.
Tax reminders
Set alerts for filing deadlines.
Tax summary
Aggregated tax-relevant data across all modules. For reference only — consult your tax adviser.
Capital gains tracker
Realised gains and losses from sold holdings. FIFO cost basis. Use the "Sell" button on any position in Portfolio to record a sale.
Country tools
Compare jurisdictions, plan moves, and check obligations.
AI Financial Analyst Pro
Ask questions about your finances. Powered by Claude — your data stays on your device.
AI Analyst
Powered by Claude. No API key needed — included with your plan.
0/5 queries this month
Lite: 5/mo · Pro: 50/mo · Family: 100/mo
Advanced: use your own API key
Optional backup key. Used if the system proxy is unavailable. Your key is stored in your encrypted vault.
Your profile
Stored locally in your encrypted vault. Not sent anywhere.
Industry features
Enable modules relevant to your profession. Hidden features don't clutter your view.
Subscription
Free plan — upgrade for live data, performance analytics, and advanced reports.
Household sharing
Share your financial picture with a partner. Each person maintains their own vault — shared views combine both.
Share with advisor
Send a read-only financial summary to your advisor. You choose what level of detail to share.
Currency rate alerts
Get notified when an exchange rate crosses your target. Checked on each login and FX refresh.
Notification history
Trusted contact / beneficiary
Designate someone who should have access to your financial information in case of emergency or death. Your passphrase is never stored — share it with them separately.
Change passphrase
Your passphrase encrypts all data on this device. Choose a strong, memorable phrase.
Disclaimer acceptance
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Data & privacy
All data is stored locally on your device in an encrypted vault. No personal information is transmitted.
Multi-device sync
Syncs automatically when you have an email set. We store only the encrypted blob — we cannot read your data.
Manual sync controls
Market data & diagnostics
Prices refresh automatically once per 24 hours when you open the app. Manual refresh also limited to once per 24h to conserve API calls.
v1.2.0 · What's new · AES-256-GCM · meridianpia.com
Not financial advice.