Seedly's app has closed. Here's where to track your wealth next.
Seedly discontinued its app on 31 December 2025, and expense-tracking data is being deleted after 31 March 2026. Its community and product reviews are staying online, but the app many Singaporeans used to keep an eye on their money is gone. This is an honest look at whether Merlio is the right next home, and where it isn't.
The short version
Seedly's app was an expense tracker with bank links, wrapped in a strong personal finance community and product reviews. The app has closed; the community and reviews continue on Seedly's website.
Merlio is a Singapore wealth tracker: net worth, investments, CPF, SRS, property, and loans, in one SGD picture, with a combined view for couples.
The honest verdict: if you want to track your net worth and investments, Merlio is a strong next home. If you mainly want daily expense and budget tracking, Merlio is not built for that, and we'll say so plainly.
What changed with Seedly
Seedly announced that its app would be discontinued on 31 December 2025, so the team could focus on the next generation of tools across the MoneyHero Group. Expense-tracking data is being permanently deleted after 31 March 2026, so if you have history you want to keep, export it before then.
It's worth saying clearly: Seedly built something valuable. Its community Q&A and honest product reviews helped a lot of Singaporeans make better money decisions, and those are staying online on the Seedly website. This page is only about the tracking app that's going away, and what you might use in its place.
What you used Seedly for, and where Merlio fits
An honest map. A tick means Merlio does it well. A cross means it isn't what Merlio is for, and we point you in a better direction.
| What you used Seedly for | Merlio |
|---|---|
| Day-to-day expense tracking and budgeting | ✗ Not what Merlio is for |
| Automatic bank account sync | ✗ Manual entry and CSV import |
| Net worth over time | ✓ |
| Investments and dividend tracking | ✓ |
| CPF balances and projection to 55 and 65 | ✓ |
| SRS tracking and tax relief | ✓ |
| Property value and mortgage tracking | ✓ |
| Cash and fixed income tracking | ✓ |
| Household view for couples | ✓ |
| Multi-currency, converted to SGD automatically | ✓ |
| Community Q&A and product reviews | ✗ Seedly's community stays online for this |
Current as of June 2026. Seedly app discontinuation dates are from Seedly's own announcement. If any detail here is out of date, please let us know.
Where Merlio fits well
If your reason for opening Seedly was to see how your overall money picture was doing, these are the things Merlio is built to do.
Your whole net worth in one place
Investments, CPF, SRS, property, cash, and loans, all in one SGD net worth figure. Automatic daily snapshots build a history so you can see the trend over months and years, not just today's number.
Property is held at gross value with the linked mortgage deducted separately, the way a bank sees your balance sheet.
CPF and SRS done properly
Track OA, SA, and MA, and project to 55 and 65 with the BHS cap and bonus interest tiers modelled. SRS sits alongside with its contribution cap and tax relief, plus a free SRS tax-saving calculator.
This is the Singapore-specific layer a generic tracker simply doesn't have.
A combined view for couples
Invite your partner with one signed link. You both see a combined net worth without sharing logins, and you each choose which categories to share. Joint mortgages dedupe automatically.
Per-category opt-in means private stays private.
Investments and dividends
SGX, US, LSE, ASX, Bursa, HKEX, and crypto, with multi-currency converted to SGD. Dividend calendar with SGX payable dates cross-checked from multiple feeds, plus a run rate and yield-on-cost.
An AI assistant can answer questions about your own portfolio in plain English.
Where Merlio is not the answer
We would rather you pick the right tool than be disappointed. Merlio is not for you if your main need is one of these.
- Daily expense tracking and budgeting. Merlio tracks wealth, not spending. A dedicated budgeting app is a better fit.
- Automatic bank syncing. Merlio uses manual entry and CSV import by design, so nothing touches your bank logins. If hands-off syncing is essential, Merlio isn't it.
- Community and product reviews. That was a Seedly strength, and Seedly's community is staying online. Merlio is a private tracker, not a social platform.
Pricing
Premium unlocks three things: the AI portfolio analyst, automatic daily net worth snapshots, and unlimited holdings. Everything else is available on the free tier.
One Premium plan, three ways to pay. Every new account gets a 60-day Premium trial, no card needed.
S$59 / year
Best ongoing value. Works out to about S$4.92 a month.
Start free trialS$39 first year
Then S$59 a year. Offer ends 31 Dec 2026.
Start free trialThe 60-day trial starts when you sign up. No card needed.
Frequently asked questions
Is the Seedly app really shutting down?
Yes. Seedly discontinued its app on 31 December 2025, and expense-tracking data is being deleted from their servers after 31 March 2026. Seedly's community, articles, and product reviews remain available on their website. If you used the app to keep an eye on your money, you'll need somewhere new to do that.
Is Merlio an expense tracker like the Seedly app was?
No, and it's important to be clear about that. The Seedly app focused on day-to-day expense tracking with bank links. Merlio tracks your wealth and net worth: investments, CPF, SRS, property, cash, and loans. If you specifically want budgeting and spending categorisation, Merlio is not built for that.
Can Merlio link to my bank account automatically?
No. Merlio uses manual entry and CSV import rather than bank account syncing. This is a deliberate trade-off, so nothing connects to your bank logins and your data stays scoped to you.
Does Merlio track CPF and SRS?
Yes. Merlio tracks your CPF OA, SA, and MA balances and projects them to 55 and 65 with the BHS cap and bonus interest tiers modelled. SRS is tracked alongside with its contribution cap and tax relief, and there's a free SRS tax-saving calculator too.
Will I lose my Seedly data?
Seedly has said expense-tracking data will be deleted after 31 March 2026, so export anything you want to keep before then. Merlio cannot import Seedly's expense history, but you can enter your current holdings, CPF, and balances to start a fresh net worth picture.
What did Seedly do that Merlio doesn't?
Seedly's strengths were its community Q&A, product reviews, and expense tracking with bank links. Merlio has none of those. Merlio is a focused wealth and net worth tracker. The good news is Seedly's community and reviews are staying online, so you can keep using those alongside Merlio.
Does Merlio give financial advice?
No. Merlio is a tracker and calculator. We don't recommend buys or sells, and we don't suggest target allocations. For personalised advice, please speak to a MAS-licensed financial adviser.
Try Merlio free for 60 days. No credit card. Cancel any time.
Coming from Seedly? Start fresh with your net worth, CPF, and investments. It takes about an hour to set up a typical portfolio.
Comparing options? See how Merlio measures up against Sharesight and StocksCafe.