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Retirement PlanningIntermediate
Retirement Navigator — Couples Edition
The complete budget & retirement planning system for couples planning retirement together after 50 — private, powerful, and jargon-free.
Excel
$59
Plan • Grow • Thrive
Clarity today. Confidence tomorrow.
Merieva builds beautifully designed budgets, trackers, and planning workbooks — backed by a Learning Center that explains money in plain English — so you can make smarter money decisions at every stage of life.
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Retirement PlanningIntermediate
Retirement Navigator — Individual Edition
A complete, private, do-it-yourself retirement and budget workbook built for one person — projections, Social Security, RMDs, Roth conversions, and stress tests.
Excel
$49
Privacy First
Investing & Dividend IncomeIntermediate
Dividend Portfolio Navigator
Your retirement income command center — track holdings, project monthly dividend income, and build toward the payout goal that funds your life.
Excel
$39
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Budgeting & DebtBeginner
Budget & Debt Navigator
A complete personal financial planning system — pick your budgeting method, crush debt with snowball or avalanche, and make saving actually fun.
Excel
$34
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Tools for every stage of the journey
Whether you're building your first budget or timing Social Security, there's a category built for exactly where you are.
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Budgeting & DebtBeginner
Debt Payoff Planner
Snowball, avalanche or your own order — see exactly when you'll be debt-free. A focused payoff planner with a month-by-month schedule and side-by-side strategy comparison.
Excel
$19
New
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Budgeting & DebtBeginner
Payday Budget Planner
Know exactly which bills to pay from every paycheck — and what's left. A focused payday-by-payday budget with a 12-month bill calendar, sinking funds, and shortfall warnings.
Excel
$19
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Estate & Legacy PlanningBeginner
Legacy Navigator
Everything your family would need to find — accounts, documents, and wishes — organized in one private place, before they ever have to ask.
Excel
$49
Privacy First
Retirement PlanningAdvanced
Roth Conversion Navigator
How much should you convert to Roth this year? A full 2026 federal tax engine shows the real bracket, Social Security impact, IRMAA risk, and effective rate — before you touch your IRA.
Excel
$59
The Merieva difference
Why people trust our tools
We hold every product to the same bar: calm, clear, and worth your trust.
Built like software, priced like a download
Every tool is engineered with the polish of premium software — automated dashboards, thoughtful design, zero formulas for you to write.
Education first, always
Every product is backed by free, plain-English guides. We'd rather teach you the concept than sell you a shortcut.
No hype, ever
No get-rich promises, no fear marketing, no exaggerated outcomes. Just honest tools for real financial decisions.
No subscriptions, ever
Every tool is a one-time purchase. Download it once, and it's yours to keep — no monthly fee, no account required to use it.
Made for every stage of life
First budget or final pension election, side hustle or established business — the catalog meets you where you are.
No cloud. No SaaS. No account.
Every tool is a file you own, on your device — not an app that lives on our servers. No account to breach, no cloud outage to wait out, no company that can shut down and take your data with it.
Learning Center
Money, explained in plain English
Free, practical guides on budgeting, investing, retirement, and more — written for humans, not finance majors.
From the blog
Fresh thinking on money
Guides · September 17, 2026 · 6 min
We Canceled Cable to Save Money. Then We Rebuilt It With Subscriptions.
You canceled cable — but streaming, AI, gym and app subscriptions added up. Find your real monthly total with this free Excel tracker.
Guides · September 16, 2026 · 8 min
How to Cut $500 From Your Monthly Expenses Without Making Yourself Miserable
You do not need fifty tiny sacrifices. You need a handful of changes large enough to matter and realistic enough to keep.
Behind the Scenes · September 3, 2026 · 3 min
Why We Show You Every Sheet Before You Buy
Most people selling a spreadsheet show you three flattering screenshots. We just put all 143 sheets of all eight workbooks on the product pages, including the plain ones. Here is the reasoning, and what it cost us to be honest about it.