A whole-life financial planner
See where your money's headed.
Meridary models your household year by year, weighs the big moves you're deciding, then runs a Monte Carlo simulation that answers the only question that matters: will your money last?
Founding pre-order — full access within 30 days, with a 30-day money-back guarantee from the day your access opens.
The moves you’re weighing
- Retireat 62
- Roth conversion$40k / yr
- Claim Social Securityat 67
- Spend$7,200 / mo
The Monte Carlo simulation draws each year's return independently, so it doesn't model market mean-reversion or volatility clustering — results run mildly optimistic versus historical sequences.
- Modeled to IRS Pub 590-B
- Social Security rules
- Published federal brackets
- Checked every release
- 30-day money-back guarantee
Your financial life is too entangled to hold in your head
One move ripples through taxes, account types, and required withdrawals, and changes how long the money lasts. A spreadsheet can model it, but demands fluency and goes stale. Meridary sequences the interactions that actually move the answer, at a depth that stays legible.
- A Roth conversion raises this year's taxable income
- which changes how much of your Social Security is taxed
- and shrinks the balance your future RMDs are forced out of
- so the year your money runs dry moves
How it works
Three steps to a projection you can trust, no spreadsheet fluency required.
Enter
Your household
Accounts, income, Social Security, and spending. Guided inputs, not a blank grid.
Weigh
A big move
Retire earlier, convert to Roth, claim later. Set the levers you're actually deciding.
See
The odds
A year-by-year projection and the Monte Carlo probability your money lasts.
Every number is checked against a source
This is the answer to slick-but-shallow. The federal-tax engine is carried in exact integer cents and validated against published government reference figures on every release. See how we validate.
| What we check | Source of record | Status |
|---|---|---|
| Required minimum distributions | IRS Publication 590-B | checked |
| Federal income tax | Published brackets and standard deduction | checked |
| Social Security taxation | Provisional-income rules | checked |
| Medicare IRMAA thresholdsFree calculator — not the planner engine | Current Part B and D brackets | checked |
| ACA premium subsidyFree calculator — not the planner engine | Federal poverty level and 400% cliff | checked |
Why not just a spreadsheet?
A spreadsheet can model this. It also demands fluency, goes stale, and hides one wrong cell that changes the answer.
| Capability | The spreadsheet you’d build | Meridary |
|---|---|---|
| Getting started | Drawback: Needs tax and modeling fluency | Advantage: Guided inputs, no fluency required |
| Correctness | Drawback: One wrong cell, silently wrong | Advantage: Checked against a government reference |
| Uncertainty | Drawback: A single optimistic line | Advantage: 1,000 Monte Carlo paths |
| After a life change | Drawback: Rebuild the model by hand | Advantage: Change one input, re-run in a click |
How Meridary is different
Three bets that set it apart from the deep planners and the free dashboards — each one you can check for yourself.
Legible
A picture you can read
The deep planners answer a complex life with more surface area — 250+ inputs, more dials. Meridary curates the interactions that actually move the answer, so the picture stays readable.
Meridary vs Boldin →Yours
Owned once, not rented
ProjectionLab retired its one-time lifetime license in 2026 and went subscription-only. Meridary is built to be owned once — everyone grandfathered, no recurring bill.
Meridary vs ProjectionLab →Trustworthy
The number is earned
Every figure is modeled to a published source and carried in exact integer cents — and the free calculators let you verify a slice before you buy.
How we validate →Start free with a calculator
Provably correct, no account required. Each one is a single question Meridary answers across your whole financial life.
RMD Calculator
Your required minimum distribution, on the current IRS tables.
Roth Conversion Tax Calculator
What a conversion actually costs — the correct blended rate, not marginal × amount.
72(t) SEPP Calculator
Penalty-free early withdrawals under substantially-equal-periodic-payments.
IRMAA Calculator
Whether your income triggers a Medicare Part B & D surcharge — and by how much.
ACA Subsidy Calculator
Your premium tax credit and the 400%-of-poverty subsidy cliff.
One price. Yours for life.
No subscription, no upsell. A 30-day money-back guarantee, so the only risk is ours.
Founding price
$149once
Founding price for the first 50 buyers. Rises to $199 after.
Founding pre-order — full access within 30 days, with a 30-day money-back guarantee from the day your access opens.
- The full year-by-year planner across your whole life
- 1,000-path Monte Carlo probability your money lasts
- Federal + flat state tax, RMDs, Social Security, and Roth conversions
- All five free calculators
- Up to 100 saved plans and unlimited re-runs, for life
- Every core-planner update, for the life of the service
Not ready to buy? Get launch access and lock your founding price.
Questions, answered
- Why a one-time price and not a subscription?
- You buy a plan you keep, like an instrument, not a service you rent. Pay once, re-run it for every decision for life.
- What if it's not for me?
- A 30-day money-back guarantee, no questions asked. If Meridary doesn't earn its place, you get every cent back.
- How do I know the numbers are right?
- Every figure is modeled to its published source and carried in exact integer cents. The free calculators let you verify a piece against a government reference before you buy.
- What does it model, and what does it leave out?
- Models U.S. federal income tax plus a single flat state rate. Excludes IRMAA and ACA cliffs (see our free calculators), multi-state tax, NIIT, AMT, and estate tax.
- Do you connect to my bank accounts?
- No. You enter what you choose, and your plan is yours. Meridary doesn't link to outside accounts.
See if your money lasts.
One honest answer to the biggest decision of your life.
Founding pre-order — full access within 30 days, with a 30-day money-back guarantee from the day your access opens.