Your returns, after inflation.

Your broker shows what you earned. It never subtracts what inflation took. Meridian does that subtraction every month, against your currency's official index, and gives you one number: what's genuinely yours to spend.

Get it on Google PlaySee how it works

Free · works without an account · never connects to your bank · English and Romanian

Try it with your numbers

Illustrative rates
9:41
Good morning, Alex
August 2026 data: July cycle
7
Safe to spend · right now
of €75.00 earned in July
Earned — real profit
Protected — offsets inflation
3 holdings — see breakdown ›
Shield activeScore 50 = break-even.
Log this monthRecord spending
Inflation · latest confirmed
EUR · HICP (Eurostat)2.1% y/y
Indices publish ~2 weeks after a month ends — we use the latest confirmed month.
What is HICP — and why your bank rate isn't "real"30-second read
Illustrative figures
HomeHistoryBucketsPortfolio
Tap the phone to bring it to you
How it works

Three minutes a month.

That's the entire commitment. Everything else happens on its own.

9:41
New holding
Bank, broker, fund, a friend's IOU — anything that pays you.
Or link a stock, ETF or coin — we'll price it.
EURUSDGBPRON
Sets which inflation index measures it — EUR → Eurostat HICP.
Add holding
Illustrative figures
1

Add what you hold

A bank deposit, bonds at a broker, an ETF, a coin, a friend's IOU. A name, an amount, a currency.

  • Link a stock, ETF or coin and the value prices itself every day.
  • Each currency is measured against its own official index — EUR against Eurostat HICP, USD against CPI-U, GBP against UK CPI.
  • No account linking, ever. Nothing asks for a bank or broker login.
9:41
Log July 2026
ING savingsGov bonds+ New
Amount earned% yieldTotal balance
Live result
Gain+€0.00
Inflation cost · HICP 2.1%−€0.00
Safe to spend€0.00
Save July
July saved · streak 8 months
Illustrative figures
2

Log the month

Once a month, tell Meridian what each holding did. Pick whichever you know.

  • The amount it earned, the percentage, or just today's balance — Meridian works out the difference.
  • A live result shows gain, inflation cost and what's safe to spend before you save.
  • Every logged month builds your streak and your history.
9:41
Good morning, Alex
August 2026
8
Safe to spend · right now
€0.00
of €75.00 earned in July
0SHIELD
Earned — real profit+€40.00
Protected — offsets inflation€35.00
Shield activeYour yield beats inflation.
Buckets · credited from July
House deposit+€24.00
Holiday+€16.00
Illustrative figures
3

Get one number

What survives inflation is yours to spend. Meridian never predicts it — it measures it.

  • The Shield Score shows at a glance whether your yield is beating inflation. 50 is break-even.
  • Unspent profit carries forward and fills your goal buckets.
  • Spend more than you earned and Meridian shows the gap — then refills it from next month's profit first.
inflation cost = capital × monthly inflation
real profit    = gain − inflation cost

Nothing more complicated is happening. Meridian never moves money and never asks for a login to anything financial. You record what happened; it does the arithmetic.

Over time

What it says. What it buys.

A balance can keep climbing while what it buys stalls. Move across the chart.

What the balance saysWhat it buys, in starting-day moneyLost to inflation

Illustrative: €10,000 earning about 3.5% a year, through a period when inflation spiked. Meridian uses your real logged months and official indices.

The data

Real inflation, not an estimate.

Every currency is charged its own published index, from the office that publishes it.

EUR RON PLN CZK HUF SEK DKK CHF

HICP

Eurostat — outside the euro area this is the EU-harmonised index, and Meridian says so on screen.

USD

CPI-U

US Bureau of Labor Statistics

GBP

CPI

UK Office for National Statistics

Never a guess

Indices publish about two weeks after a month ends, so Meridian uses the latest confirmed month and names it on screen.

History stays put

A closed month is frozen with the rate that applied. A later revision never rewrites your history, streak or badges.

Coins, read not connected

Paste a public wallet address; Meridian reads what it holds on-chain. No keys, no signing, nothing it could move.

Meridian is not a government service. It is an independent app, not affiliated with, endorsed by or authorised by any statistical authority. It reproduces figures those offices have already published, and links to each so you can check the original.
Private by default

It works without an account.

Guest mode is the whole app, not a trial.

Stays on your phone

Until you make an account, nothing you enter leaves the device.

Nothing is lost later

Sign in whenever you like and everything on the phone moves into the account.

No bank, no card

No bank connection, no brokerage login, nowhere to enter a card. Meridian cannot move money.

Premium

The core loop is free forever.

Premium adds the long view.

  • 1, 5 and 10-year projections, in today's buying power
  • Time machine — what a past investment is worth now
  • What-if simulator and a financial-independence tracker built from your own yield
  • Beats-inflation watchlist — benchmarks by real return, your holdings alongside
  • Homescreen widget with your safe-to-spend and Shield
  • Custom alerts when your score or inflation crosses your own line
  • Unlimited currencies, portfolios and wallets
  • Automatic allocation to your goal buckets
  • Broker CSV import and two extra themes

Free covers one portfolio in one currency, three holdings and one wallet — the whole monthly loop, with no time limit.

€29.99 / year

Save 37% against monthly.

EU price with VAT included. Google Play charges in your own currency and shows your country's exact figure before you confirm.

Billed through Google Play; cancel any time from your Play account. No free trial — guest mode is already the whole core app. Cancelling keeps every free feature and all your data.

Premium, up close

The long view, measured.

What the premium screens actually show — built from your own logged months, never from an assumed market return.

Projections

Where your pace leads.

Your money at 1, 5 and 10 years — in today's buying power, not in inflated future euros.

Your own paceBuilt from your average real yield over the last six months.
Stated assumptionsInflation held at its current 12-month average — and the screen says so.
9:41
HistoryPremium
Projections · at your 6-month pace
1 year€0+€0 real
5 years€0+€0 real
10 years€0+€0 real
202720312036
In today's buying power — assumes your average real yield of the last 6 months and inflation at its current 12-month average. Not a guarantee.
Financial independence
Your FIRE number€480,000
You're at €7,300On pace for 2058
Illustrative figures
Financial independenceThe capital that would cover your living costs on its own, and when you'd reach it.
Never a promiseEvery figure is labelled as a projection, not a guarantee.
Time machine

What a past choice is worth now.

Pick an amount, a start date and a yield. Meridian replays the real inflation of every month since.

  • Investing it, against leaving it as cash.
  • Runs on each currency's own historical index — EUR, USD or GBP.
9:41
Time machinePremium
Aug 2021
6.0% / yr
EUR · HICPUSDGBP
5 years later — today
Invested at 6%€0
Needed just to keep buying power€0
Left as cash, it now buys€0
Real gain vs. doing nothing+€0
€836 — what cash still buys€164 — eaten by inflation€338 — growth from investing
Illustrative figures
€1,338€1,000 invested at 6% since 2021
€836what the same €1,000 as cash buys today
+€502of buying power, versus doing nothing
Homescreen widget

Your number, without opening the app.

Safe to spend and your Shield Score, right on your homescreen — with the date you last logged.

  • Four sizes, small tile to full panel
  • Updates when new inflation lands
  • Always names the month it describes
9:41
9:41
Friday, 25 September
Safe to spend · JulyLogged 14 Aug
€0.00
for July · +0.5% above inflation
0SHIELD
Earned+€33Inflation−€12Spent−€10Total€4,531
PhotosMapsNotesMailMusicWalletCameraSettings
Questions

Straight answers.

Does Meridian connect to my bank?

No. There is no bank connection, no brokerage login, no card. You type in what you hold and what it earned.

Can it move or invest my money?

No. Meridian does arithmetic and shows you the result. Every euro stays exactly where you put it.

Why is the inflation figure from last month?

Statistics offices publish about two weeks after a month ends. Meridian only uses a confirmed month, and names it on screen, rather than guessing.

What happens if I stop paying for Premium?

The free features keep working and your data stays. Only the premium extras switch off.

How do I delete everything?

Profile → “Delete my account”, and it is gone from the server immediately. Full instructions.

Know what you can
actually spend.

Get it on Google Play

Not financial advice. Meridian is an informational tool. It does not provide investment, tax or financial advice, does not recommend or execute transactions, and does not hold or transfer money. The figures it shows are arithmetic on data you enter and on published inflation indices.