Your finances, your way.
No bank access needed.
Mearal helps couples and individuals track spending, manage budgets, and build wealth together — without ever connecting a bank account or sharing credentials.
100% free · No credit card required · Full access forever
100%
Private & secure
3 min
Setup time
$0
For early members
Everything you need to manage money together
Built for couples who want full visibility without sacrificing privacy. Works beautifully for individuals too.
Smart Expense Tracking
Assign every transaction to Shared, You, or your Partner with one click. Auto-rules learn your patterns and assign future transactions automatically.
Couple Settlement
Instantly see who owes whom. Mearal calculates shared expenses, custom splits, and shows a single settlement amount each month.
Privacy by Design
No bank logins. No card numbers. Import statements via PDF, email, CSV, or manual entry. Your credentials never leave your device.
Reports & Analytics
Pie charts, bar graphs, heatmaps, and merchant breakdowns. See exactly where your money goes each month.
Savings Goals
Set targets with milestones and deadlines. Track progress and see projected completion dates based on your savings rate.
Smart Insights
AI-powered analysis surfaces savings opportunities, unusual spending, and personalized recommendations — without the noise.
Recurring Detection
Automatically spots subscriptions and recurring charges. Never miss a forgotten subscription draining your wallet.
Timeline & Trends
Visualize your finances over time with interactive charts. Spot seasonal patterns and compare month-over-month performance.
Smart Alerts
Get notified only when it matters — budget limits, unusual charges, and settlement reminders. No spam, no noise.
Get started in 3 simple steps
From sign-up to financial clarity in minutes — no bank credentials needed.
Import your data
Upload PDFs, forward emails, drag-and-drop CSVs, or add transactions manually. Choose whatever works for you.
Auto-categorize
Smart rules assign transactions to categories and owners automatically. Teach Mearal once — it remembers forever.
Track & optimize
Visual budgets, settlement tracking, and AI insights help you save more and argue less about money.
Built for clarity and focused financial decisions
Every tool is designed to reduce friction, give you confidence, and put you in control of your money.
Budget Tracking
See where every dollar goes
Categories auto-fill from your transactions. Watch spending bars fill up in real-time and get alerts before you go over.
Data Import
4 ways to bring data in
No bank connections needed. Choose what works for you.
Upload PDF
Drop bank statements
Email Forward
Auto-detect statements
CSV / Excel
Export and import
Manual Entry
Quick-add by hand
For Couples
Who spent what?
One-click assignment. Auto-rules. Monthly settlement.
Goals & Insights
Track goals. Get smarter suggestions.
Set savings goals with visual progress rings. AI-powered insights find savings you're missing.
Trip to Japan
$5,200 of $8,000 · 65%
Save $160/mo on dining
One fewer delivery per week
Your data stays yours. Period.
Mearal never asks for bank credentials. No Plaid. No screen scraping. Your financial data is parsed on-device and never uploaded to external servers. Accounts are identified by nicknames only — no card numbers visible anywhere.
What early users are saying
See what our users have to say about managing money with Mearal.
“We finally stopped arguing about who paid for what. Mearal made it so simple to split shared expenses and see where our money was going — without ever giving up our bank passwords.”
Jordan & Morgan
Using Mearal since January 2026
“We used to argue about money every month. Mearal changed that. Now we're on the same page.”
Sarah & Mike
Using Mearal since March 2026
“As a freelancer, tracking expenses was a nightmare. Mearal's import feature saves me hours every month.”
Priya
Using Mearal since February 2026
“The auto-assignment rules are a game changer. 90% of our transactions sort themselves now.”
David & James
Using Mearal since December 2025
“The privacy-first approach sold me. No bank access means I actually feel safe using this.”
Emma
Using Mearal since January 2026
Free for everyone. Forever.
Mearal is completely free. No subscriptions, no trials, no hidden fees. Every feature, fully unlocked, for every user.
No credit card required. No expiry. No limits.
Frequently Asked Questions
Instead of linking your bank, you import data in 4 flexible ways: upload a PDF statement, forward statements via email, import a CSV/Excel export, or add transactions manually. We parse the data on your device — your credentials never leave your hands.
No! Mearal works beautifully for individuals too. When you sign up as an individual, the couple-specific features (partner assignment, settlement tracking) are hidden — you get a clean, focused budgeting and tracking experience.
Yes! Mearal is completely free for everyone — no credit card, no trial period, no hidden fees. Every feature is fully unlocked with no limits.
Only if they allow it. Each partner has full privacy controls. You can hide personal accounts from your partner while still sharing joint expense data. The "Shared" category is always visible to both.
Mearal analyzes your spending patterns to find unused subscriptions, suggest budget optimizations, forecast overspending before month-end, and identify saving opportunities. All insights are actionable — you can apply them with one click.
Yes. Mearal is completely free for all users with no limits. We may introduce optional premium features in the future, but the core app will always remain free.
Your data is stored locally on your device by default — it never leaves your browser. No bank credentials are ever requested or stored. Your financial data stays private and under your control at all times.
Ready to take control of your finances?
Join 2,000+ early adopters who manage their money smarter — free forever as a founding member.
Claim Your Free Spot