Most people want a clearer picture of their money: what they own, what they owe, and the direction things are moving over time. The tools available do a strange job of this. Bank apps live in the last 30 days. Open banking aggregators show today’s position across accounts. Spreadsheets age badly and rarely produce a coherent view of trends.
None of them quite hold the long view.
Verdly is built for that gap. It is a net worth tracker for people who want a calm, periodic view of their finances. You decide what counts as an asset. You decide what counts as a debt. You enter the values when you choose to, and Verdly does the rest. It preserves the history, charts the trends, surfaces the patterns, and projects where things are heading.
It is not a budgeting tool. It is not an investment platform. It is not a financial adviser. The aim is narrower than that, and we hope more useful for it.
What Verdly does
Verdly is built for the long view: recording the numbers as you make them, surfacing the patterns as they emerge across the years, and projecting where the path is heading.
Snapshots, not transactions
Each time you open Verdly you can take a snapshot: the value of every asset and debt you choose to track, on a specific date. Tracking happens at the cadence you find useful. Most people review their position monthly; quarterly works too, as does updating only when something meaningful moves.
The cadence is yours to set. Some users open the app on the first of every month; others when a payslip lands, when a savings transfer completes, or when an investment rebalances. A few minutes per snapshot. Years of history in return.
A history that compounds
Snapshots compound into a history. Verdly stores every value you have ever recorded and uses it to compute trends, projections and milestone progress. No gaps to interpolate. No transactions to categorise. No edge cases hiding in raw bank-feed data.
You see what you put in. Plus the patterns that emerge from it.
The first snapshot is a starting point. The third is a direction. The twelfth is a trend. The thirty-sixth is a story you can finally tell about your own money. Across years, across categories, across the milestones you have set and met.
A focused dashboard
The dashboard surfaces what most people actually want to know:
- Current net worth.
- How it has moved since the last snapshot.
- Largest assets and largest debts.
- Trends across whatever window you choose.
And when you want to look closer, you can. Move through the history. Compare months and years. See how a single asset has grown across time, or how a particular debt is winding down.
You can read about each of the five core capabilities on the features page, or jump straight to any of them: purposeful data, flexible cadence, the dashboard, milestones, or data import and export.
Projection: the path ahead
Once a few snapshots are in, Verdly turns the history into a forecast. See where your current trajectory takes your net worth in a year, three years, ten. Set targets worth growing towards, and keep the path towards each one in view as the real numbers come in.
The forecast is a hypothesis, not a guarantee. It sharpens with every snapshot you add, and it adjusts as your circumstances do. The point is not to predict the future. It is to plan with one in mind.
Who Verdly is for
Verdly is for adults who want a long-term view of their personal wealth. Three groups of people tend to find it most useful.
The first are those starting to take their finances seriously for the first time. A few accounts, perhaps a pension, perhaps a mortgage. The numbers in any single month are rarely dramatic; the value sits in years of consistent recording.
The second are those working towards a specific goal: paying down a mortgage, saving for a house deposit, building a freedom fund of a year’s outgoings in case life happens. Verdly’s milestone tracking is for them. Set a target, anchor it to a date, watch it move.
The third are people who already track their wealth in a spreadsheet and want something purpose-built. Spreadsheets are excellent for one-off problems and tedious as long-term records. Verdly imports from spreadsheet-friendly formats and exports back to them, so the history is portable in both directions.
Or maybe you just want to know your net worth today. Start there.
A note on confidence
The FCA’s Financial Lives survey reports that millions of UK adults have low confidence in managing money, planning for the future or keeping up with bills (FCA, Financial Lives 2022). A net worth tracker is not going to fix that on its own. Confidence comes from knowledge, advice and time.
But knowing roughly where you stand is a useful place to start. The writing on this site will keep returning to that idea. Verdly publishes for education, not financial advice. Speak to a regulated adviser before making decisions specific to your situation.
How to get started
There are three steps.
1. Create an account
Sign in at app.verdly.io. Verdly is currently free.
2. List what you own and what you owe
Add the assets you want to track: current accounts, savings, investments, your home if you own one. Then add any debts. There is no need to be exhaustive on day one. Start with the accounts that move most, and add the rest as you go.
3. Take your first snapshot
Enter the current value of each asset and debt. That is the baseline. Every snapshot Verdly shows you from here is measured against it.
That is the loop. Small per session, useful at scale.
What you will see
Next time you open Verdly, the picture will be a little clearer than it is today. The time after that, a little clearer again. That is what the long view actually feels like: not a leap, but the accumulation of months you might not even remember once you have them.
Whenever you are ready, take your first snapshot at app.verdly.io.
