Your financial life stays on your device.

Many personal finance apps upload and store your bank statements, balances and tax records on remote servers. Meridian is built differently: your financial data lives only on your computer, encrypted with a key only you hold.

How your data stays isolated. Everything financial stays inside the privacy boundary on your computer.

Your financial data never crosses the line. Everything financial is processed and stored inside the boundary on your device. Only who you are crosses it.

256-bit ChaCha20-Poly1305 encryption at rest.
Only you hold the key: your master password or Touch ID.
Read-only by design, so Meridian can never move money.
No cloud financial vault, and no remote copy of your records.

How bank feeds reach your device →

Your bank

Open Banking

Bank feed

Read-only, with your consent. Passed through our Sydney relay in memory, never stored.

Statement

CSV import

Downloaded by you and read on your device. Works offline.

Read-only data

Your devicePrivacy boundary

Processing

Meridian app

Tax, budgets and net worth worked out locally, in memory.

Storage

Encrypted vault

256-bit ChaCha20-Poly1305 at rest.

Access

Your key

Master password or Touch ID. Meridian cannot decrypt it.

Identity only

Meridian, Sydney

Account

Sign-in and subscription

Your email and whether your subscription is active.

Not here

No financial data

No transactions, balances or tax details on our servers.

Where our servers are. And who processes what.

Your financial data never leaves your device.

Transactions, balances and tax details stay in the encrypted vault on your device. Nothing financial is uploaded, backed up or analysed on our servers.

On your device

Our services run in Sydney.

Sign-in, subscription status and the Open Banking relay run in Sydney (AWS ap-southeast-2). The relay passes bank data through in memory and never stores it.

Sydney

Some suppliers see non-financial data.

Stripe processes payments. Our email provider (Postmark or Resend) sends account emails and may process them in Australia or the USA.

Suppliers

Built around privacy. Six commitments that hold for every household.

100% local storage

All financial calculations, budgets and net worth projections run locally on your own computer. Your personal ledgers are never uploaded, warehoused or analysed on cloud servers.

Host · Your device only

Encrypted on your device

Your local database is encrypted at rest with 256-bit ChaCha20-Poly1305. Even if someone gets hold of your drive, your financial records are unreadable without your password.

Cipher · 256-bit at rest

You hold the key

Unlock with biometrics (Touch ID on Mac) or your master password. Meridian has no knowledge of your credentials. There are no master keys, backdoors or admin access.

Access · Biometrics or master password

Read-only or offline CSV

Sync automatically through read-only Australian Open Banking, or import standard bank CSV statements completely offline. By design, Meridian can never initiate payments or move money.

Learn how Open Banking works →

Ingestion · Read-only, no payments

Customer, not the product

We do not run ads, embed behavioural trackers, or package your spending habits for third-party brokers or advertisers.

Business model · No data brokering

Export any time

Your data belongs to you. Export reports and your ATO tax pack to CSV, or download a full database backup, any time. No vendor lock-in.

Data freedom · CSV and full backup

Questions about security and privacy? Contact our team at support@meridian-labs.finance.

Try Meridian on your own accounts.

Free during the beta on Apple silicon and Intel Macs. Windows planned.

Request beta access