Whether you earn a salary, invoice as an ABN contractor, run a side business, or all three — Meridian calculates your real tax position, CCS entitlement, and quarterly obligations without the complexity.
Double layer protection — your data, always yours
Every sensitive field is protected by two independent layers of encryption at rest. Add your own private passphrase in Settings for a second layer that only you hold — giving you complete peace of mind that your financial data belongs to you alone.
Meridian is honest about what it is and isn't. No fine print.
Two independent encryption layers so your financial data remains yours, no matter what.
Platform-level encryption
Every sensitive field — names, account labels, and balances — is encrypted before it is saved. The key is derived from your account and held separately from your data. Even with direct access to our storage, your information is completely unreadable without it.
Your personal private key
In Settings, you can set your own personal passphrase. This adds a completely separate second layer of protection that only you hold. The passphrase is never stored anywhere — meaning your data is protected by something only you know, entirely outside our control.
The result: your financial data is yours for life. Two independent layers of protection mean it stays private and unreadable to anyone but you — peace of mind built into the foundation, not bolted on.
Six modules that work together — whether you have one income source or four, one employer or none.
Model PAYG salary, ABN contractor day rates, labour-hire, and sole trader P&L — individually or all at once. Each source gets the correct tax treatment, super guarantee rules, and proration for mid-year starts. Dual-income households, bonuses, and Division 293 supported.
PAYG · ABN · Sole Trader · Labour-HireKnow exactly what you owe every quarter — GST (BAS) estimates for GST-registered businesses, PAYG instalment projections for sole traders, and FY invoice deferral planning for ABN contractors who want to shift income across the June/July boundary.
BAS · PAYG Instalments · FY DeferralCalculate your CCS entitlement based on combined ATI or actual out-of-pocket costs. Factors in Centrelink withholding (configurable per child), activity test hours, and end-of-year reconciliation risk when one partner returns to work mid-year.
CCS · Withholding · ReconciliationTrack your ETFs, shares, and managed funds with live prices from Yahoo Finance. Drill into fund composition — top holdings, sector weights, asset class breakdown. Overlay super contributions and mortgage offset for a complete wealth picture.
Live prices · ETF drill-down · SuperUpload bank statements (CSV/OFX) and see exactly where your money goes. Actual transaction averages replace projections automatically. Month-by-month category breakdown distinguishes variable expenses from structural outflows like mortgage repayments.
Statements · Categories · TrendsTrack rental income and every deductible expense — management fees, council rates, repairs, insurance, strata, and more. Attach invoices and receipts directly to each entry. Generate an ATO-ready tax summary for your accountant at year end. Negative gearing flows automatically into your tax calculation.
Receipts · Negative gearing · Tax summaryAsk questions about your own numbers in plain English. Get personalised, grounded recommendations — not generic advice, but insights rooted in your actual data. Whether you're a sole trader optimising deductions or a contractor timing invoices, the Advisor knows your numbers.
$5/mo add-on · 100 questions · Any paid planNo integrations, no open banking, no waiting for approval. You're in control from the start.
Add each person and their income sources — PAYG salary, ABN contractor day rate, sole trader revenue, or a mix. Each source gets the right tax treatment automatically. Takes about 5 minutes.
Download a CSV or OFX export from your internet banking and upload it. Meridian categorises transactions automatically using your custom rules.
See your real surplus, tax position, CCS entitlement, investment performance, and 20-year wealth projection — all in one dashboard.
Seven honest questions — we'll tell you straight whether this tool fits your situation.
Meridian uses Aussie tax brackets, Medicare levy, super guarantee rates, CCS rules, and financial year conventions (1 July – 30 June).
No hidden fees. No data monetisation. Cancel any time.
Get started at no cost
Free
PAYG households with investments & property
ABN contractor, sole trader, or both
Multiple household members, any income mix
✦ AI Advisor — included in every plan
Ask Meridian questions about your own finances. Grounded in your real numbers — not generic advice. Free users get 5 questions/month as a preview. Paid plans start from 30/month.
Describe your situation and we'll point you to what matters most.
Join Aussie households who use Meridian to understand exactly where their money goes — and where it could go.
No credit card required for the free plan.