Using Verdly

Understanding your dashboard

A tour of the Verdly dashboard (your net worth, trend chart, allocation, headline stats, milestones and notes) and what each figure means.

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Your dashboard is the at-a-glance view of where you are today and how you got here. It fills out as you record snapshots; until your first entry it simply invites you to record one.

Net worth at a glance

The top of the dashboard shows your current Net Worth with its change since the previous period. Alongside it, Gross Worth (your assets) and Total Debt each show their own change, and a fall in debt counts as a positive move.

Each change is measured against your previous snapshot and labelled in the cadence you record in, so a weekly tracker reads “vs last week”. Where you skipped a period, the label names the one being compared instead — “vs Mar 2026” — rather than implying the two sit side by side.

Net worth trend

The Net Worth Trend chart plots your net worth over time. Hover over any period to see its figure, view the category breakdown behind each point, and see your milestones marked along the way.

On a larger screen, All time · Per annum · Latest above the chart sets what it covers. All time draws everything you have recorded; Per annum draws a whole calendar year, with arrows stepping back through the years you have recorded in. An option with too little behind it is greyed out until it has enough, and the chart opens on the most recent year holding two snapshots — or on All time where no year holds two yet. Your choice is remembered. On a phone the range control is not shown and the chart covers everything you have recorded.

Latest is a different picture rather than a shorter one. It is a ring of your latest snapshot: each asset category as a share of what you held, with the total and the date it was recorded in the middle. A single snapshot is a single point with no trend to draw, so it is shown as a composition instead. Debts are left out — a ring divides a whole into parts, and money owed has no share of what you hold — so the total in the middle is your gross worth rather than your net worth.

The settings cog carries One point per year, which thins the chart to a single value for each calendar year. It applies to All time, being the only view spanning the two years it needs — including on a phone, where the cog is shown and All time is what the chart covers.

Allocation

Asset Allocation and Debt Allocation break your latest snapshot down by category, each shown as a share of your gross worth or total debt, so you can see where your money sits and where your debt is concentrated.

Drilling into a category

Everything on the dashboard opens one level down. Select a category — its row in an allocation card, or its band in the trend chart on a larger screen — and Verdly opens that category’s own page: the same layout, scoped to that category alone.

  • The chart plots the category’s value over every period you have recorded, in the colour it carries on the dashboard. Where the category holds more than one thing, those holdings stack beneath the line in the same style as the dashboard’s own chart, so you can see which of them moved.
  • Three figures sit beneath it, worded for the kind of category it is. An asset category gets change since first recorded, a growth streak and an avg monthly gain; a debt category gets reduced since peak, a paydown streak and an avg monthly reduction, since for debt it is the falling balance that is the progress.
  • Under those, the holdings that made up the category in the period on show, each with its value and its share of the category. Hover the chart to move the list to another period.

Each holding is shown in the currency it was recorded in. Where a category holds anything outside your base currency, the category total converts those amounts and the page says so — see how multi-currency works.

The menu at the top right of the page switches straight to another category, so you can work through them without returning to the dashboard between each one. The Dashboard link opposite it, or your browser’s back button, takes you back to where you started.

Key stats

A row of headline numbers puts your progress in context:

  • CAGR: your smoothed annual growth rate. It appears once you have a year of history, since a shorter run cannot be stretched into an annual figure honestly. It is also hidden when your first or latest net worth is zero or below, because there is no growth rate between those two points.
  • Growth streak: how many times in a row your net worth was higher than at the entry before it, counting back from your most recent one. An entry that is flat or down resets the count, and so does a gap long enough to break your tracking.
  • Avg monthly gain: your change from your first snapshot to your latest, spread over the months between them. It is a per-month figure whatever cadence you record in, so it stays comparable, and it appears once you have a month of history.
  • Real return: your growth after UK inflation, so you can see whether you’re beating or trailing it. It follows CAGR, so it appears at the same point.
  • Debt to gross: your debt as a share of gross worth. Where you have a snapshot from around a year ago, it is shown alongside so you can see which way the share has moved.

The Snapshots card alongside them shows Tracking Since — the date your current unbroken run of recording began — over a grid of the periods you have data for. The run continues through a gap of up to two of your cadence periods and starts again from your next entry after a longer one, so the date is how long you have been tracking rather than a count of periods covered.

Milestones and notes

AI Insights

If you’re on Pro and have a few months of history, the AI Insights card summarises your finances in a few short sections. See AI Insights for how it works.

Next steps