Reserve Meridian

Reserve Meridian is a local planning tool for personal finance. The app calculates how much you can have in fixed monthly optional expenses, so a manually entered reserve lasts for a selected number of months while still preserving a protected remaining balance. The app does not issue loans, send applications, broker financial products, or provide investment advice. All figures are entered by you, and the calculation is a forecast based on fixed monthly amounts. You can create plans with: - starting reserve - protected remaining balance - fixed monthly income - mandatory monthly expenses - start date and time horizon - currency in RUB, EUR, or USD The result shows either the calculated monthly limit for optional expenses or the missing amount if the plan cannot reach the horizon with zero optional expenses. You can also see a monthly breakdown with opening balance, income, mandatory expenses, calculated limit, and expected closing balance. The library stores your plans locally with search, status, and change history. A plan can also have one optional photo attachment of a paper expense note. The photo is not read and is not included in calculations. Reserve Meridian uses no accounts, network requests, ads, analytics, or synchronization. Data is stored on the device. The model uses no interest, fees, inflation, taxes, variable income, daily balances, or movements within the month.