216
Securities
Portfolio, tax residency, retirement, budget and net worth — consolidated across every bank, broker, currency and country you touch. Encrypted on your device before it ever reaches our servers.
You don't. Your salary's in one currency, your investments in another, your tax exposure in a third. So you fall back to a fragile 47-tab spreadsheet — until it breaks at the border.
Your dividends land in GBP, your rent's due in AED, your pension grows in USD. Other apps pick one and quietly distort everything else.
183-day rules, statutory residence ties, days counted per jurisdiction. No consumer app tracks this — so it lives in a sheet that can't warn you before you trip a threshold.
Bank-linking apps monetise every transaction they aggregate. You become the product. Meridian never connects to your bank and never sees a single transaction.
Meridian consolidates the whole picture — investments, cash, property, debt, retirement and tax exposure — and does the currency and jurisdiction maths for you, automatically.
Enter values in their native currency. Meridian converts to your base for every total, chart and report — no VLOOKUP required.
Portfolio, budget, net worth and retirement all read from the same live figures. Change one, everything updates.
Ask questions in plain English — “how exposed am I to sterling?” — and get answers grounded in your actual vault.
Eight connected modules that replace the tangle of tabs, apps and half-remembered rules you're managing today.
216 securities across 32 exchanges — plus metals and crypto. Live prices, dividends, rebalancing, benchmark comparison and capital-gains tracking in one view.
UK Statutory Residence Test built in, with day-counting per jurisdiction and 183-day threshold alerts — so a border crossing never becomes a tax surprise.
AES-256-GCM with 310,000 PBKDF2 iterations. Your passphrase never leaves your device and is stored on no server. Only you can open your vault.
Monte Carlo across 1,000 paths, fed live from your real portfolio and budget. Percentile bands, success rate and one-off events — model it before you commit.
Spreadsheet-style budgeting with multi-currency income and expenses, velocity alerts, savings rate and a 90-day cash-flow forecast.
Auto-calculated from portfolio + cash − debt, with daily snapshots, milestone tracking and multi-currency goals that show real progress.
A full financial-summary PDF spanning every module, per-page budget and retirement exports, CSV out, and an encrypted vault backup you control.
A built-in AI analyst answers questions grounded in your actual vault — no copy-pasting into a chatbot, no data leaving encrypted context.
Meridian is new, and deliberately so. It's built by people who lived the problem — income in one currency, investments in another, tax exposure in a third — and it's engineered so that even we can never see your numbers. No investors to answer to, no transaction data to sell. Just software that does one hard thing well, priced honestly.
Being new is exactly why we chose an architecture where trust isn't required. Start on the free tier, export an encrypted backup whenever you like, and cancel with a click — you're never locked in.
| Capability | The spreadsheet | Other finance apps | Meridian |
|---|---|---|---|
| Multi-currency totals & reports | Manual formulas | Single currency | ✓ Automatic |
| Tax-residency & 183-day tracking | Fragile & manual | Not offered | ✓ Built in |
| Zero-knowledge encryption | None | Server-readable | ✓ AES-256 |
| No bank-linking / no data selling | ✓ | Sells data | ✓ Never |
| Retirement Monte Carlo | No | Sometimes | ✓ 1,000 paths |
| AI analyst on your own data | No | No | ✓ Included |
| Works when you move countries | You rebuild it | Breaks | ✓ Just works |
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 whole point. In place of a marketing promise, you get math.
Most people want Pro — unlimited everything, live prices and the AI analyst — for less than the cost of one spreadsheet's worth of missed tax days.
Because Meridian is zero-knowledge, your passphrase is the only key to your vault and it's never stored anywhere — not on your device, not on our servers. That means we genuinely cannot reset it or recover your data for you. We strongly recommend saving your passphrase in a password manager and exporting an encrypted backup. The trade-off for “nobody can help you reset it” is “nobody can break in either.”
No. Meridian never links to your bank and never touches your transaction feed. You enter exactly what you choose to track. There are no data aggregators in the loop, which is precisely why we have nothing to sell and no one to sell it to.
It's the architecture, not a slogan. Everything is encrypted with AES-256-GCM on your device, using a key derived from your passphrase via PBKDF2 at 310,000 iterations. If you enable cloud sync, only an encrypted blob leaves your device — we store data we are mathematically unable to read.
Fair question. Being new is exactly why we chose an architecture where trust isn't required: we can't see your data even if we wanted to. There are no investors pushing us to monetise you and no transaction data to resell. Start on the free plan, export an encrypted backup whenever you like, and cancel with a click — you're never locked in.
Cancel anytime, in one click. Your access continues to the end of the period you've already paid for. We don't offer refunds on the remaining time, which is why we keep a genuinely capable free tier so you can be sure before you pay.
Anyone whose financial life crosses borders: expats, digital nomads, international employees, business owners and contractors, pilots and crew, oil-and-gas and maritime professionals, and globally mobile high earners. If your money spans more than one currency, country or tax jurisdiction, Meridian was built for you.
Stop patching a spreadsheet that breaks at every border. Get the platform built for exactly this.
Cancel anytime · Zero-knowledge encryption · Your data never sold