Meridian
Join the beta

Meridian works out your household’s money, down to the cent.

Private household finance for Australians. Tax, offset, HECS-HELP and super, calculated from published ATO rules on your own device. No AI.

Request beta access See how it works
Meridian · Sample household
Household Overview
Period
FY2026–27
Updated
14 Oct
Net worth
$412,880
▲ +$8,214
Monthly surplus
+$1,940
September
Savings rate
18%
Target 20%
Offset saves
$5,180
Per year
Where it wentSeptember
Fixed costs$5,820
Living costs$3,510
Left over+$1,940
RecentAll accounts
Salary · Alex+$4,812.00
Home loan repayment−$2,486.00
Woolworths Metro−$184.20
Origin Energy−$318.45

Net worth, surplus and savings rate for the whole household.

01 / 05

Built to be trusted with a household’s numbers

  • No AI
  • Encrypted at rest
  • Read-only Open Banking
  • All major Australian banks
  • FY2026–27 ATO rates
  • Servers in Sydney

Two ways to bring your banking in. Connect your bank securely through read-only Open Banking, or import a statement. Meridian supports all major Australian banks either way.

Option 1 · Bank feedsLive

Connect your bank with Open Banking

Link your accounts once and new transactions arrive automatically. It runs on the Consumer Data Right, Australia’s regulated system for sharing banking data safely.

  • You approve access in your own bank’s app. You never give Meridian your password.
  • Read-only. Nobody can move money through this connection.
  • You choose the accounts, and you can withdraw consent at any time.
  • Data passes through our Sydney relay to your device and isn’t stored on the way.
How the Consumer Data Right protects you →
Connected banksRead-only
BankAccountsStatus
Commonwealth BankEveryday, OffsetSynced 2 min ago
WestpacHome loanSynced 2 min ago
INGSavingsSynced 1 hr ago
Consent expires 14 Oct 2027Connect another bank
Option 2 · Statement importWorks offline

Import a bank statement

Prefer not to connect? Download a CSV from your bank’s website and drop it in. Meridian reads it on your device and never uploads it.

  • Works with statements from all major Australian banks.
  • Another bank? Match its columns once and Meridian remembers.
  • Duplicates are skipped, so overlapping statements are safe.
  • No internet connection needed.
How statement import works →
CBA_Everyday_Oct-2026.csv3 to review
142 rows read4 duplicates skipped
DescriptionCategoryAmount
Salary · SamIncome+$3,964.00
Origin EnergyUtilities−$318.45
Coles LocalUncategorised−$96.10
Transfer to offsetOffset−$1,500.00

Tax, worked out line by line. Every figure traces back to a published ATO rate. Same inputs, same answer, every time.

See the rules it uses →
Alex · FY2026–27Estimate
LineRuleAmount
Taxable incomeYour payslips$118,000
Tax on $18,201 to $45,000ATO · 15%−$4,020
Tax on $45,001 to $118,000ATO · 30%−$21,900
Medicare levyATO · 2%−$2,360
Medicare levy surchargePrivate cover held$0
Total for the year−$28,280
Withheld so farFrom payslips−$7,384

Your device is the only place it lives. An encrypted database that only you can unlock. Our servers in Sydney handle sign-in and the bank-feed relay, and store none of your finances.

How we protect it →

The questions it answers.

“How much does our offset actually save us each year?”

Home loan · Offset

“Will we owe tax this year, or get some back?”

Tax · PAYG

“How much is left at the end of the month, for both of us?”

Budget · Surplus

“How much more can go into super before we hit the cap?”

Super · Concessional cap

“When will the HECS-HELP debt finally be gone?”

Study debt · HECS-HELP

“Does anyone else get to see all this?” No. Not us, and not an AI model.

Privacy · On your device

Retire the spreadsheet. The upkeep a spreadsheet leaves with you is the work Meridian does for you.

What you needMeridianYour own spreadsheet
New tax rates each JulyUpdated for youFind and re-enter them yourself
Offset interest savingsBuilt inFormulas you build and maintain
Getting transactions inRead-only bank feeds or a CSVCopy and paste each month
Where the data livesEncrypted on your deviceUsually unencrypted, often in a cloud drive

See the full comparison →

FAQ

Frequently Asked Questions about AI, your data and your account.

Read every answer →

Does Meridian use AI?

No. Meridian has no AI, machine learning or chatbot. Every figure comes from published rules, such as ATO tax rates, applied to your own data. Give it the same inputs and you get the same answer every time.

Your financial data is never sent to an AI provider or used to train a model.

If everything is offline, why do I need to create an account and log in?

Meridian uses authentication servers strictly to verify your identity and authorise your device access. The server only validates who you are (your verified email address and login session).

It never receives, stores, or processes your financial ledgers, bank transactions, account balances, or tax details. Your financial records reside exclusively in a local SQLite database protected by strong 256-bit encryption on your device. Even in the event of an authentication server breach, an attacker would find zero financial data because none exists on any server.

Where is my data stored, and where are your servers?

Your financial data is stored only on your device, in an encrypted database that only you can unlock.

Meridian’s own cloud services (sign-in, subscription status and the bank-feed relay) run in Sydney. Payments are handled by Stripe, which never sees your financial data.

Why isn’t Meridian free?

Meridian is free during the beta and becomes a paid subscription at launch. You are the customer: it is funded by the people who use it, not by advertising or by selling data, and your financial data never leaves your device.

The subscription pays for work you would otherwise do yourself. Every financial year we update the tax rates, Medicare and HECS thresholds and super caps, and check them against the ATO. We also keep the Open Banking connection and the bank statement imports working as banks change their systems. That saves you the hours of maintaining a spreadsheet, and the mistakes that come with it.

Kept current so your spreadsheet doesn’t have to be.

  1. 1 Jul 2026Income tax rates for 2026–27 · The 16% rate is now 15%Live
  2. 1 Jul 2026Medicare levy surcharge tiers · New income thresholdsLive
  3. 1 Jul 2026HECS-HELP repayment thresholds · For 2026–27Live
  4. 1 Jul 2025Super Guarantee at 12% · Concessional cap $30,000Live
Beta Program

Try Meridian now.

We’re inviting Australian households to try Meridian on their own accounts and check its tax maths against what they know.

Mac
Apple silicon and Intel
Windows
Windows planned
Price
Free during beta

Apple silicon and Intel Macs · Windows planned · Free during beta, paid subscription at launch. We’ll only email you about the beta.