Why we built Verdly
Most people want a clearer picture of their money — what they own, what they owe, and where things are heading. Few of the tools available make that picture easy to maintain. Account aggregators ask for bank credentials and then push notifications about every coffee. Spreadsheets are private and flexible, but they age badly and rarely produce a coherent view of trends.
Verdly is the middle path. It is a net worth tracker designed for people who want to take a calm, monthly view of their finances without surrendering credentials to a third party. 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 — preserving the history, charting the trends, and making the bigger picture easier to read.
We are not a budgeting tool, an investment platform, or a financial adviser. The aim is narrower than that and, we hope, more useful for it.
What Verdly does
Verdly’s job is to remember the numbers and show you the shape of them over time.
Snapshots, not transactions
Each time you open the app, you can take a snapshot — the value of every asset and debt you choose to track on a given date. Tracking happens at the level you find meaningful. Most people review their position monthly, but quarterly works too, as does updating only when something moves.
Because Verdly does not pull live balances, the cadence is yours to set. Some users open the app on the first of every month; others when they receive a payslip, finish a savings transfer, or rebalance an investment.
A coherent history
Snapshots compose into a history. Verdly stores every value you have ever recorded and uses it to compute trends, projections, and milestone progress. There are 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.
A focused dashboard
The dashboard surfaces what most people actually want to know:
- Your current net worth.
- How it has moved since your last snapshot.
- Your largest assets and debts.
- Trends across whatever window you choose.
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.
Who Verdly is for
Verdly is for adults who want a long-term view of their personal wealth without handing over bank credentials. That tends to be one of three rough groups.
The first is people who are starting to take their finances seriously. They have a few accounts, perhaps a pension, perhaps a mortgage, and they want to know whether things are improving from one month to the next. The numbers are rarely dramatic in any single month; the value comes from years of consistent recording.
The second is people working towards a defined goal — paying down a mortgage, saving for a house deposit, building a freedom fund. Verdly’s milestone tracking exists for this group: set a target, anchor it to a date, and watch it move.
The third is 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 supports portable formats so you can migrate without losing history, and export back to a spreadsheet whenever you want to.
If none of those describes you, that is fine. You may not need Verdly today, and we will not pretend otherwise.
A note on financial confidence
The Financial Conduct Authority’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 a fix for that — confidence comes from knowledge, advice, and time. But a clearer view of your own numbers is a useful place to start, and our writing here will keep returning to that idea.
How to get started
There are three steps.
1. Create an account
Sign in at app.verdly.io. Verdly is currently free to use; a paid tier with extended capabilities is on the roadmap, and existing users will keep a generous free experience.
2. List what you own and owe
Add the assets you want to track — current accounts, savings, investments, your home — and any debts. You do not 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 your baseline. From here, Verdly will store, chart, and compare every snapshot you log against it.
That is the loop. The work that produces a useful long-term picture is small per session and accumulates with time.
What we will publish here
Verdly’s writing sits alongside the product. Expect a weekly cadence covering:
- Habits. What works for people who maintain a long-term wealth record, and what does not.
- Methods. How to think about asset categories, snapshot cadence, milestone setting, and the trade-offs each involves.
- Product notes. Release notes, feature deep-dives, and the reasoning behind specific decisions.
If you would like to read further now, the articles index lists everything we have published, newest first.
Not financial advice
Anything written on this blog or shown inside Verdly is for general information only. It is not financial, investment, or tax advice, and we are not regulated to provide it. Speak to a qualified adviser before making decisions that materially change your financial situation.
With that out of the way: welcome to Verdly. We are glad you are here.