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?
One-time license · 30-day money-back guarantee · no subscription.
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 shifts your Medicare IRMAA bracket
- and changes how much of Social Security is taxed
- 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. Federal tax is carried in exact integer cents and validated against a government reference before 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 |
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.
30-day money-back guarantee · no subscription.
- 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
- Unlimited plans and re-runs, saved to your account, for life
- Every future update to the core planner, forever
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.
One-time license · 30-day money-back guarantee · no subscription.