AI cashflow planning, modelled live
in the room, with the client.
Drop in a Fact Find and Meridian builds the first draft of the plan. Change any assumption and the whole thing redraws instantly - no recalculate button, no waiting. A complete UK planning engine and a complete international one, in the same software, chosen per client.
- Income tax, NI & dividends
- Pensions, annual allowance & PCLS
- ISAs & capital gains tax
- Onshore & offshore bonds
- Inheritance tax & estate
- Native multi-currency assets
- Multiple jurisdictions in one plan
- UAE, GCC & expat clients
- Offshore bonds & cross-border income
- Tax off by default, or entered by hand
Drag the assumptions. The plan reacts, exactly as it does in a real client meeting.
Currency toggle uses fixed illustrative exchange rates for demonstration only - not live market rates.
Four reasons advisers
move across.
The short version, before the tour. Every claim below is shown working further down the page.
Live, not recalculated.
Drag growth, inflation or a retirement age and the whole fifty-year plan redraws while you are still speaking. No recalculate button, no "let me rerun that and email you". The meeting never stops for the software.
See it working →UK and international,
one engine.
A full HMRC plan - income tax, NI, pensions, PCLS, ISAs, CGT, bonds, IHT - or a native multi-currency, multi-jurisdiction one. You choose per client, not per licence, and neither market is running the other's product.
See both engines →A Fact Find in,
a built plan out.
Drop in a PDF, a Word document or notes pasted straight from a meeting. Meridian reads it, builds the assets, income and outgoings, shows you exactly where every figure came from, and flags anything ambiguous before it creates a thing.
See AI intake →Better, cheaper,
and risk free.
$100 - around £75 - per adviser per month, with every feature included and every future feature included. Voyant is around £175. Run Meridian in real client meetings for 30 days and if it does not earn its place, one email refunds you in full.
Compare side by side →The structural things
legacy tools bolt on later.
Meridian was built international-first and live-first. The differences aren't cosmetic - they're in the foundations.
| Meridian | Voyant | CashCalc | |
|---|---|---|---|
| UK planning essentials | |||
| UK income tax, NI & dividends | ✓ | ✓ | ✓ |
| Pensions, annual allowance & PCLS | ✓ | ✓ | ✓ |
| ISAs & capital gains tax | ✓ | ✓ | ✓ |
| Onshore & offshore bonds | ✓ | ✓ | ~ |
| Inheritance tax & estate | ✓ | ✓ | ~ |
| Where Meridian goes further | |||
| Simple, plug-and-play - minimal training required | ✓ | – | ~ |
| Multi-jurisdiction tax in one plan | ✓ | ~ | – |
| Multi-currency (GBP · USD · AED · EUR) | ✓ | ~ | – |
| Built for expat & offshore advice | ✓ | – | – |
| Fully live chart - no recalculate step | ✓ | – | – |
| What-if solver cards (plain language) | ✓ | – | – |
| Dynamic retirement spending (go / slow / no-go) | ✓ | ✓ | ~ |
| Protection & critical-illness in the cashflow | ✓ | ✓ | ~ |
| Survivor modelling on one chart | ✓ | ✓ | ~ |
| Stress testing & Monte-Carlo confidence | ✓ | ✓ | ✓ |
| Plain-language talking points from the plan | ✓ | – | – |
| Full assumption transparency (no black box) | ✓ | ~ | ~ |
| Modern, premium client documents | ✓ | ~ | ~ |
| AI & automation | |||
| Builds a plan from a Fact Find, CFR or notes | ✓ | – | – |
| Flags ambiguous or missing data before creating it | ✓ | – | – |
| Source document processed in memory, never stored | ✓ | ~ | ~ |
| Built for firms | |||
| One firm account, seats added as you grow | ✓ | ~ | ~ |
| Shared plan library, searchable firm-wide | ✓ | ~ | ~ |
| Full audit trail on every plan | ✓ | ~ | ~ |
| Duplicate any plan into a new client, one click | ✓ | ~ | ~ |
Everything a UK adviser relies on today is in the top block, and the incumbents have it too. The point of the table isn't that they can't do UK planning, it's what sits underneath once a client stops being purely domestic.
✓ built in · ~ partial or limited · – not available. Based on the founder's day-to-day use of Voyant and CashCalc as of July 2026 - both are capable, established UK tools and continue to evolve, so please check each provider for their current offering. Voyant supports several countries as separate regional editions; Meridian models multiple jurisdictions within one plan. Firm-account and data-handling comparisons reflect publicly available information at time of writing, not a hands-on audit of either competitor's back end - please verify directly with them. "Modern, premium client documents" reflects our own view of report design and isn't an independently verified claim.
Everything in that table, for $100 per adviser, per month.
Around £75. Voyant is around £175. One price, unlimited clients and plans, every feature on this page and every feature we ship next - and if it does not earn its place in 30 days, one email refunds you in full.
- ✓Unlimited clients and plans
- ✓UK and international engines
- ✓Set up with you on a call
- ✓Modelling questions answered by an adviser
- ✓Every feature we ship next, included
- ✓30 days risk free, refunded on one email
We take on a limited number at a time so the setup call and the direct line stay real - when the current intake is full, founding pricing closes.
UK planning and international planning.
Same software.
Jurisdiction is not an add-on in Meridian, it is part of the model. When you create a client you choose the engine, and either one can be your default. A UK adviser gets a complete HMRC-rules plan. An international adviser gets the same engine pointed somewhere else. Nobody is using the other market's product.
✓United Kingdom
- Income tax, NI and dividends
- Pensions, annual allowance and PCLS
- ISAs and capital gains tax
- Onshore and offshore bonds
- Inheritance tax and estate
✓International
- UAE, GCC and expat clients
- Multiple jurisdictions in one plan
- Native multi-currency assets
- Offshore bonds and cross-border income
- Tax off by default, or entered by hand
Choose the engine when you create the client, then start blank or hand it a document. It locks once the plan has data.
A UK plan running the HMRC engine: lifetime tax updating live, marginal rates for both clients, and the funding warning surfaced on the chart.
Three things nothing else
in this market does.
The same screens your clients see in the meeting - no mockups, no marketing gloss.
Drop in a Fact Find.
Watch the plan build itself.
PDF, Word, or notes pasted straight from a meeting - Meridian reads it, builds the client's assets, income and outgoings, and shows exactly where every figure came from alongside the source document. What used to take twenty minutes of data entry now takes under a minute, and nothing happens without you seeing it first.
- ✓Reads Fact Finds, CFRs and meeting notes - PDF or Word
- ✓Flags what's ambiguous or missing, in plain language, before anything is created
- ✓Source document processed in memory and never stored
Change an assumption.
Watch the whole plan respond.
Growth, inflation, retirement age, longevity - drag any of them and the net-worth chart redraws in front of the client. No "let me rerun that", no exporting to a spreadsheet. The conversation never stops.
- ✓Instant recalculation across the full 50-year horizon
- ✓Retirement and first-death markers move with the plan
- ✓Spendable-assets line shows exactly when money runs short
Retire in the UK, or Dubai?
Show both on one chart.
Duplicate the plan, change what matters - the jurisdiction, a retirement age, a first death - and overlay the new path against the current one. Here, retiring in Dubai leaves the couple US$2.89m ahead by 2074 with US$1.02m less lifetime tax. The client sees both futures at once, in the meeting, without waiting for a follow-up email.
- ✓Compare any two scenarios on a single live chart
- ✓Lifetime tax and the net-worth gap surfaced automatically
- ✓First death and survivorship on the very same view
The rest of the model,
at a glance.
Included at the same price. Ask to see any of them live in a demo.
Native multi-currency
UK property in sterling, an offshore bond in dollars, a SIPP in dirhams. Each asset is held in its own currency and the whole plan reconciles live, presented in whichever currency the client thinks in.
Stress testing
Apply a 2008 crash, a dot-com unwind, a pandemic shock or a longevity hit at any age, through a global or UK market lens. The age funds run short, and the gap to the base case, made unmissable.
Protection & survivorship
Set a first death at any age and the plan rebuilds around the survivor - their income, spending, pensions and whatever cover pays out. The protection gap stops being a feeling and becomes a number.
Plain-language talking points
Meridian reads the finished plan and writes the answers clients actually ask for: what they can safely spend, when they can retire, how much disappointment the plan absorbs. Figures included, jargon removed.
Branded client report
Every plan exports to a clean, branded cashflow report in today's money - your firm's name, your client's numbers, the assumptions used. One click to print or save as PDF.
Couples, modelled properly
Two clients, joint and individual assets, separate retirement ages and marginal rates, and what happens on first death - built into the data model from day one rather than bolted on.
The most advanced plan in the room -
and the easiest one to run.
Legacy tools mean training courses and rebuilds, and hours of prep before a meeting that may only need twenty minutes of it. Meridian drops straight into your next review: open the plan, talk, send the report. Even the least technical adviser can pick it up on day one.
Open the plan
Already built. No blank screen, no setup ritual.
Review live
Answer "what if?" as you talk - the chart moves with you.
Send the report
A branded PDF, a few clicks from your client's inbox.
I've never seen my own money laid out like that in twenty years of meetings.
A client, first Meridian meetingOne account, however many seats.
One client book, not several.
Meridian is licensed to the firm, not the individual. Add colleagues as you grow and everyone works from the same client list - no separate logins, no re-keying a plan because a colleague built it under their own account.
Every adviser signed in.
Nothing done in the dark.
Invite a colleague and billing adjusts automatically, prorated for the period. Every plan created, renamed or edited is logged against the person who did it - a record no one in your firm, including admins, can edit or delete. It's the same question a file review asks, answered before anyone has to.
- ✓Add a colleague in seconds - if you're at capacity, billing adjusts automatically and prorates
- ✓Admin and member roles - remove someone and their seat frees up for the next hire at no extra cost
- ✓A full audit trail - who changed what, and when, on every plan
Find anything.
Duplicate it in one click.
Search every plan in the firm by asset, note, goal or client detail - "business sale", "crypto", whatever you need - and duplicate a matching plan straight into a new client. Nobody rebuilds a structure from scratch because a colleague already has, and nobody needs to log into someone else's account to find a client's numbers on the way to a meeting.
- ✓Searches asset names, notes, goals and adviser notes firm-wide
- ✓Duplicate any plan into a fresh client instantly
- ✓No shared logins, no hunting through colleagues' accounts
You are not buying software
from a software company.
Meridian was built by a practising IFA who advises UK and international clients and got tired of the alternatives. That is not a marketing line, it is the reason the software behaves the way it does - and it is also who answers when you get in touch.
Set up with you, not sent to you
We get on a call and set your firm up together - your branding, your settings, and your first plan built while you watch. You are not handed a login link and pointed at a help centre.
Questions answered by an adviser
When you ask how to model a complex pension, an offshore bond or a cross-border retirement, the reply comes from someone who writes advice for a living and has modelled it before. Not a first-line script.
A direct line to the person who built it
No tiers, no account manager, no ticket number. If something is wrong, it gets fixed - often the same week. If something is missing, you are talking to the person who decides what gets built next.
All of it included
Setup and support are part of the price. There is no implementation fee, no professional services line, and no premium support tier holding the useful help behind it. Structured training material is in build and lands at no extra cost.
Meridian is a small, focused product rather than a large vendor, and that is deliberate. You get direct access to the person who built it, instead of a support tier standing between you and an answer.
Engineered for confidence,
not launched and hoped for.
A figure you show a client and can't defend is a liability. So every calculation in Meridian is checked against an independent source of truth before it ever reaches a plan.
- ✓Over 72,000 randomised scenarios, stress-tested automatically on every change
- ✓75+ independent, hand-calculated benchmark scenarios
- ✓Estate & IHT verification, matched to the penny
- ✓Mortgage amortisation and drawdown checks
- ✓Monte-Carlo, edge-case and multi-decade simulations
- ✓Cross-scenario consistency checks
- ✓Adversarial AI review and challenge testing
We don't claim Meridian's engine is "more accurate" than any competitor's - we haven't tested theirs, and no responsible vendor would. What we can say is that it was built from day one with a rigorous, modern testing discipline that's uncommon in this space.
Client financial data, handled like it matters.
Encrypted in transit and at rest, with every firm's data isolated at the database level and hosted in the UK (AWS eu-west-2, London). We never use client data to train AI or for anything other than the plan the adviser builds - and firms can delete it on request.
Read the full security overview →No black box. See the calculations.
Worked examples straight from the live engine, checked line by line against HMRC's, DWP's and GOV.UK's own published figures - top slicing relief, pension annual allowance taper, RNRB, CGT, the arithmetic behind the chart.
See how the engine calculates →Meridian ships constantly, and the price does not move with it. Everything you buy today includes everything below, at no extra cost, the day it lands.
These are in build, not shipped, and we would rather show you what works today than sell you what does not exist yet. Client data never leaves for model training, in AI intake or anywhere else in Meridian, and that does not change as we build.
"I had a couple who couldn't decide between retiring in Surrey or Dubai. Two lives, two tax systems, one decision. I built two separate spreadsheets and emailed them a PDF a week later, when what they needed was to see both futures side by side, in the room, while they were still arguing about it."
The founder · a practising IFA advising UK and international clientsOne plan. Everything in it.
Priced to be an easy yes.
No tiers, no per-feature upsells. One plan with every capability included, and a month to prove it in real meetings. Enterprise and firm-wide licensing available on request.
/ month
- ✓UK & international engines
- ✓Unlimited clients & plans
- ✓Native multi-currency
- ✓Multi-jurisdiction tax
- ✓Live what-if & stress testing
- ✓Couples & survivorship modelling
- ✓Branded client reports
- ✓Setup & adviser support
- ✓Firm accounts & audit trail
- ✓Every future feature included
Rolling out across a firm? Volume licensing, onboarding and enterprise pricing are available on request. Talk to us.
The things advisers ask first.
Can Meridian replace Voyant or CashCalc for my UK clients?
Yes. The UK engine covers income tax and NI, dividends, pensions and the annual allowance, PCLS, ISAs, capital gains tax, onshore and offshore bonds, and inheritance tax, with HMRC rates held for the current tax year and visible in the plan. If you would like to check it against a case you already know, bring a live client scenario to a demo and we will build it in front of you.
What does the AI actually do, and is my client data used to train it?
The AI does one job: it reads a Fact Find, CFR or set of meeting notes and turns it into a first draft of the plan, showing you where every figure came from and flagging anything ambiguous before it creates a thing. It does not give advice, it does not choose assumptions for you, and nothing is saved until you have reviewed and confirmed it. The source document is processed in memory and never stored. Client data is never used to train any AI model, ours or anyone else's, and that is a contractual commitment in the Data Processing Agreement rather than a promise on a marketing page. Every calculation behind the chart is the same deterministic engine either way - the AI does the typing, not the maths.
How long does my first plan take to build?
Minutes, not an afternoon. Meridian is built to be filled in during a meeting rather than prepared before one: enter the people, the assets and the spending, and the chart is already live as you type. Most advisers run their first real plan the same day they sign up.
Is there any training or onboarding needed?
None is required - no course, no certification, no rebuild of your process. The interface is deliberately built so an adviser who has never seen it can open a plan and talk through it. We will still get on a call and set your firm up with you, including your branding and your first plan, and you can ask us modelling questions whenever you get stuck. Structured training material and video walkthroughs are in build and will be included when they land. What we will not pretend to have today is a dedicated support department - you are dealing directly with the adviser who built it, in working hours.
What happens to the price as you add features?
Nothing. One price per adviser, and everything on the roadmap - guided migration, white-label reports, further AI, the training library - is included the day it ships, at no extra cost. There are no tiers to be upgraded into and no modules to unlock. Founding pricing, where it applies, holds for as long as the customer stays with us.
Can I import my existing clients?
Not automatically yet, and we would rather say so plainly than promise it. In practice advisers rebuild their live cases as they come up for review, which takes a few minutes each. Bulk import is on the roadmap, and if you are moving a whole book across we will help you do it.
Is the output suitable to sit behind advice?
Every figure on screen traces back to an assumption you can see and change, with no hidden black box, and the exported report carries your firm's name, the client's numbers and the assumptions used. The report is a cashflow illustration to support your advice, not a suitability report, and the advice remains yours.
Who owns the client data, and what happens if I leave?
You do. Data is encrypted in transit and at rest, isolated per firm at the database level, and hosted in the EU. It is never used to train AI or for anything other than the plan you build. If you leave, you can export your reports and ask us to delete everything, and we will.
What happens to my plans if something happens to you?
A fair question to ask any small software provider. Client data is backed up daily on a rolling seven-day retention window, and every plan exports to a self-contained PDF you keep, so nothing you have shown a client is ever locked inside the platform. Firm-level continuity commitments, including source code escrow, are available as part of an enterprise agreement.
What does the price actually include?
All of it. One price per adviser, unlimited clients and plans, every feature on this page, and every feature we ship next. No tiers, no per-module upsells, no enterprise sales call to unlock the useful parts. If it does not earn its place in the first 30 days, one email refunds you in full.
See Meridian react to a real plan.
A 30-minute demo with your own client scenario. No slides - just the software.