Portfolio, budget, retirement, tax residency, goals, debt, insurance — all in one place. Zero-knowledge encryption. No server. No account. Your device, your data.
287 tickers from 32 exchanges including precious metals and crypto. Live prices, dividends, rebalancing tool, benchmark comparison, watchlist, and sell tracking with capital gains.
UK Statutory Residence Test with automatic overseas test, automatic UK test, and sufficient ties test. Day tracker per jurisdiction with 183-day threshold monitoring and travel document upload.
AES-256-GCM with PBKDF2 (310,000 iterations). Your passphrase never leaves your device. No server, no database, no account, no reset. If you lose the passphrase, the data is gone.
Multiple scenarios with Monte Carlo simulation (1,000 paths). Sync from live portfolio and budget data. Percentile bands, success rate, and one-off event modelling.
Spreadsheet-style table with 14 starter categories. Multi-currency expenses, income streams, spending trends, velocity alerts, savings rate, and 90-day cash flow forecast.
Auto-calculated from portfolio + bank − debt with daily snapshots and milestone tracking. Financial goals with progress bars, deadlines, and multi-currency support.
Loans with amortization, payoff projections, and payment warnings. Auto-syncs to budget and net worth. Sortable table with balance-weighted average rate.
Full financial summary PDF covering every module. Per-page budget and retirement exports. CSV data export. Encrypted vault backup and restore.
6 policy types with premium analysis and document upload. Encrypted document vault with category, status, and label filtering. Beneficiary designation for estate planning.
Meridian is a zero-knowledge application. We can't see your data, we can't reset your passphrase, and we can't recover your vault. That's not a limitation — it's the architecture.