Personal Finance

Take control of your budget – from the smallest expense to the largest. Using the personal finance tool in your First Merchants app, you can fully customize your budget and create a strategy that puts you in charge – not your expenses.

Get a Better Picture

By connecting your external accounts, you’ll gain a unified view of your finances—empowering you with deeper insights and personalized guidance to help you make confident decisions.

Understand Your Spending

Our intuitive Spending tool automatically organizes your transactions, giving you a clear snapshot of where your money goes—no manual sorting required. It’s a smarter way to manage your budget and build financial confidence.

Create a Budget

Whether you prefer to set your own limits or let us recommend one based on your spending habits, you'll have personalized options to help you stay in control and make confident financial decisions.

Predict Your Future Account Balance

Use the Cash Flow tab to mark important recurring expenses, like bills and payments, and regular income, like paydays. You can predict if you have enough money to cover that last-minute splurge or if you’re getting too close to a major bill payment and should hold off.

Spot Patterns to Stay on Track

In the Trends tab, see how your spending compares to your income from month to month or throughout the year. You can even track by spending categories to zero in on spending patterns or highlight areas where you’ve spent beyond your means.

Build a Debt Payoff Strategy

Use the Debts tab to take a magnifying glass to what you owe. You can order accounts by payoff priority, track due dates, view payment schedules, model pay-off strategies, and predict when you’ll be free from debt – all on an easy-to-read chart.

Set Goals

With insights into your spending patterns, you can plan for what matters most—whether it’s saving for a milestone purchase, reducing debt, or simply building financial peace of mind. We’re here to help you reach your goals with clarity and confidence.

Craft a Legacy

In the Net Worth tab, you can compare assets like savings, property, and investments against what you owe, which gives you an accurate picture of your total net worth. Use the interactive chart to see where you started and take steps toward your future goals.