Everything Verdant
does today.
Six groups. Every item on this list is shipping in production right now. Things on the roadmap are at the bottom, clearly labeled — no bait-and-switch.
Envelope budgeting
YNAB-style: every dollar gets a job. Spend only what you assigned. See the month unfold in real time.
Ready to Assign
One number that tells you whether every dollar has a home this month. Not assigning? It stays there until you do.
Three goal types per category
Monthly funding goal, target balance, or target balance by date. Categories nudge you when they're behind — and only when they're behind.
Spending pace indicators
Know at a glance whether groceries is on track for the month, or whether you'll blow the budget in 3 days.
Split transactions
One Costco run, three categories. Each split contributes to the right budget — pace, goals, and reports all stay accurate.
Age of Money
The YNAB metric that keeps you honest. When you're spending this week's paycheck on next week's rent, Verdant tells you.
Contextual insights
Overspending alerts, stale categories, under-funded goals — surfaced in a single insights drawer, not strewn across the UI.
Net worth tracking
Empower-grade visibility. Every asset, every liability, every line on the chart.
Net worth chart with trend
A single chart showing net worth over time, with every account's contribution stacked transparently below.
19 asset classes
Checking, savings, CD, money market, HYSA, 529, brokerage, retirement, crypto, real estate, vehicle, loan, mortgage, credit card, cash, and more.
Vehicles + real estate
Vehicles depreciate automatically by age and mileage. Real estate tracks appraisals, mortgage payoff, and equity over time.
Amortization schedules
Every loan gets a full amortization curve — principal, interest, and payoff date visible from the account drawer.
Milestones that auto-mark
Set a net-worth goal. When you cross it, Verdant marks the date and celebrates — no manual check required.
Savings APY projections
HYSAs and CDs show projected balance at maturity given their APY, fixed vs. variable rate assumptions, and contribution schedule.
Investment tracking
Holdings, live prices, transaction history. Brokerage-grade without the brokerage.
Holdings dashboard
Every position across every account in one table. Sortable by gain, weight, cost basis — whatever matters to you.
Live prices
Tickers auto-refresh via Finnhub. Your manual price stays the source of truth; live prices override at render time.
Transaction history
Buys, sells, dividends, contributions, fees — all in one ledger, with share-precision math.
Brokerage CSV import
Schwab, Fidelity, Vanguard, E*TRADE, Robinhood formats all import cleanly — with duplicate detection against your existing positions.
Imports & export
Your data comes in easy. Your data goes out easier.
CSV / XLSX / OFX / QFX import
Four formats, one pipeline. Smart column detection handles banks that prefix their files with account info.
Payee auto-categorization
Categorize Trader Joe's once. Every Trader Joe's transaction after that lands in the right category automatically.
Duplicate detection
Imports check the date range of your existing data and offer skip / replace / import-all for any overlap.
Full data export (CSV + JSON)
Every transaction, budget, category, account, and holding — exportable to CSV or JSON, rate-limited but not feature-gated.
Accounts & transactions
Everything you need to run the day-to-day — and everything you don't normally get from a budgeting app.
Per-account register
Every account has its own transaction ledger. Add, edit, split, transfer — inline, with keyboard nav.
Inline payee transfers
Record a transfer by typing the destination account in the payee field. Verdant creates the paired transactions automatically.
Scheduled transactions + forecasting
Rent on the 1st, Netflix on the 17th. The Upcoming page shows what's coming this month and how your balances will look on each date.
Calendar and timeline views
Switch between list, calendar, and forecast modes. Same data, three mental models for people who think differently.
Privacy & data ownership
What separates Verdant from the incumbents — end to end.
Bank-grade encryption in transit
TLS everywhere. Credentials never hit our servers — Plaid handles bank auth directly when you use it.
Multi-tenant DB isolation
Every query is scoped to your user ID at the SQL layer, with ownership predicates gating every mutation.
Plaid is optional, not required
The app is fully usable without connecting a single bank. Plaid is a convenience, not a lock-in.
Email verification + rate limits
Signups require email verification. Auth endpoints are rate-limited per IP. No password resets via phone.
On the roadmap
Coming next — commitments, not claims.
Plaid auto-sync
Auto-refreshing bank + brokerage connections. Optional.
Offline mode
Work without a network connection; sync when you're back online.
Local-first architecture
Your device as source of truth, cloud as sync.
Native iOS + Android apps
Shared design system and data model with the web app.
Lifetime plan option
One-time purchase alternative to the subscription.
Creator / affiliate program
Transparent revenue share for creators covering personal finance.
Everything. One subscription. No upsells.
There are no Pro tiers, no feature gates, no “add-ons.” Everything on this page ships to every paying user.