A retirement planner for iPhone and Android

Would your retirement have survived 1929?

Meridian replays your plan through every market since 1928 — the crashes, the booms, the inflation — and tells you how often it lasted.

  • No account to make, and nothing linked to a bank.
  • You type in your savings; the plan stays on your phone.
  • Free to use. Meridian Plus adds more when you want it.
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Home, for a sample plan
Free

How long will my money last?

Tell Meridian your ages, your savings, what you spend and what comes in. It works out how long your savings last in today’s dollars, and tells you plainly where that leaves you.

How long it lasts
The age your money lasts to, and guidance for where your plan stands.
Tested against history
Sturdy, shaky or fragile — and how many starting years since 1928 it lasted in.
Savings by account
Pre-tax, Roth and taxable savings, each with its own taxes and investments.
Keeps up month to month
Update your savings as often as you like; the plan and its history follow.
Retire now, or wait
How much you can spend, and what a few more years of work would change.
Can I afford this?
A new car, a kitchen, helping the kids — with an honest verdict.
Past markets

Every stretch of market history since 1928.

A steady return is a useful guess, but markets don’t move steadily. So Meridian replays your plan as if you’d retired in each year since 1928 — living through the real stock, bond and bill returns, and the real inflation, that followed — and counts how often your money lasted.

Sturdy Shaky Fragile

A sturdy plan lasted through almost every market, including most of the worst. A fragile one ran out more often than it lasted.

The past-markets replay, for a sample plan
In the app

Honest answers to everyday questions.

Numbers are shown as estimates, in full sentences, with what they assume written underneath.

Can I afford this?
Your retirement paycheck, with Plus
Private by design

No account. Nothing linked to a bank.

You type in your savings, and your plan lives on your phone. We never see your name, your email, your plan or your savings.

Kept on your phone
Your plan is stored in the app, with a copy in your own iCloud or Google backup so it comes back on a new phone.
No sign-up, no bank links
There is nothing to log in to, and Meridian never connects to banks or brokerages.
No ads, no tracking
No advertising, no tracking across apps, and nothing sold. Read the privacy policy.
Meridian Plus

When you want to go further.

Everything above is free. Plus adds the detail that turns a plan into something you can live on.

Your retirement paycheck
What to take from each account every month, the tax to withhold, and an order that keeps tax low.
Your plan, as a PDF
Four pages for a financial advisor, a spouse, or your own records.
Past markets in full
Every starting year since 1928, the hardest times to have retired, and the most you could spend or buy and stay sturdy.
Compare plans
Retire sooner, spend less, claim later — side by side.
When to claim Social Security
Every age from 62 to 70, for one or both of you.
If one of you is on your own
For couples: what happens to the plan if a partner dies first.
Monthly
Cancel any time
$4.99 /month
Lifetime
Pay once, keep Plus for good
$99 once

US prices. Prices vary by country; the App Store or Google Play shows yours before you buy.

Coming soon to iPhone and Android.

Meridian isn’t in the stores yet. This page will link to it as soon as it is.

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