Launching today
Meridian — Tax & Financial Intelligence
Your accountant, without the accountant
7 followers
Your accountant, without the accountant
7 followers
Meridian is an AI-powered financial intelligence app that goes beyond taxes. Track a real-time Financial Health Score, tax-adjusted Net Worth, Retirement optimization, and Debt Payoff — plus AI Decision Simulations for "can I afford this?" and "should I move states?" We're also the only app combining expat tax compliance (FBAR, FEIE, Form 5471), crypto tax reporting (Form 1099-DA), and quarterly tax tracking in one place. Know what you owe before the IRS tells you.
How does the Financial Health Score actually get calculated in the background, and does it factor in things like vesting stock or RSUs that have not fully vested yet?
@emircanz4ud Good question, we are more than happy to give you the real answer.
The score is a weighted composite. Tax Readiness (30%), how much of your projected tax bill you've actually set aside. Cash Flow (30%), 30 day rolling net income vs. expenses. Organization (20%), how well your transactions are categorized. Savings (20%), reserve progress toward your tax target.
To your actual question, no, unvested RSUs (or any equity, vested or not) currently factor into the score, and honestly, I don't think they should. The score is meant to answer whether you can cover what you actually owe, right now, with money you actually have, and unvested equity fails that test on every count. It's forfeitable if you leave before vesting, no tax is owed on it until it actually vests, and you can't spend it to cover a tax bill or emergency. Folding it in would risk the score telling someone they're financially healthy when they might have very little liquid cash and a lot of stock they can't touch yet, which is arguably worse than leaving it out.
Where I think equity does belong is Net Worth, which is meant to reflect total wealth rather than near term liquidity. That's the more honest place for it, clearly labeled as contingent until vested.
Questions like this are genuinely useful to me, for what it's worth. They're exactly what makes me go back and rethink whether a feature is doing what it's supposed to, not just whether it works. We truly appreciate you taking the time to ask. Thank you again for your question.