Net worth, holdings, crypto, retirement projections, an estate-planning vault, and an AI advisor that reasons over your real numbers — one consolidated picture for a household, with no account to sign up for and no server watching.
Every tab reads from the same encrypted vault — nothing here is a separate app bolted on after the fact.
Net worth by asset class and account, tracked over real history — plus the two numbers most portfolios never show you: how concentrated you are in one position, and exactly what a 50% decline in it would cost you.
Exchange holdings and self-custody wallets on one ledger — allocation, price action per token, and on-chain balances you can monitor separately, with a choice to include each wallet in your net worth or just watch it.
A Monte Carlo simulation against your real holdings and spending — not one optimistic projection, but a spread of outcomes and your actual probability of the plan surviving to ninety-five.
Combine two net worths into one picture, member by member — controlled from Settings, with neither person ever seeing the other's password or raw account numbers.
Every position, every account, valued live — cost basis, gain, and portfolio weight. Options tracked down to the day they expire, so nothing quietly lapses worthless.
Passports and identity documents with expiration tracking. State-specific wills, powers of attorney, and healthcare directives Claude drafts for you behind a mandatory disclaimer, plus a remote-notary directory and a one-click printable Go Bag.
Ask it anything about your actual numbers. Bring your own key for Anthropic, OpenAI, Google, or Grok, run a fully local model, or — on Quasar — ask Apple Intelligence entirely on-device, nothing sent anywhere.
Meridian flags the same charge hitting twice in a few days, and separately, active subscriptions quietly competing for the same job — two streaming services you forgot you're paying for both of. Handle it in one click.
The iOS companion, full read/write, not a read-only viewer. Face ID unlocks it, Siri can ask your Advisor hands-free, and it shows up on Apple Watch as a glance — net worth, cash, and debt, no app to open.
Screen recordings of the real app — nothing staged.
Every tab, start to finish — Overview through Vault, including the five-way Advisor.
Vault creation through first launch — also a real setup guide.
Pairing, Face ID unlock, and the on-device Advisor — full read/write parity, paired from desktop.
Net worth, cash vs. debt, and top holdings on your wrist.
By design — there is no support ticket that gets your data back, because there is no one else holding a copy of the key.
Argon2id, which wraps a master key. The
master key encrypts an append-only log with XChaCha20-Poly1305.rust_decimal::Decimal. No f64
anywhere in the domain code — floating point silently corrupts cost basis.macOS (Apple Silicon or Intel) and Windows (64-bit). Once installed, Meridian checks for and applies updates on its own — this is the only download you'll need.
Also coming to the Mac App Store as Meridian Household Finance ($9.99, one-time) — same app, with Quasar free for iOS and watchOS once paired. Currently in Apple review.
Meridian isn't signed with a paid developer certificate. macOS: right-click Meridian →
Open → Open. If it still refuses, run once in Terminal:
xattr -dr com.apple.quarantine /Applications/Meridian.app.
Windows: on the SmartScreen prompt, click More info → Run anyway. One-time per install —
silent after that.