Verdant doesn't connect to banks and doesn't update asset values from the market. You enter things once, then update and close the books once a month. This page shows how — and why we chose to do it this way.
Do this once at the start. The more complete the information, the closer the results are to your family’s real situation.
Totals are added up in this currency — VND, USD or another. Assets held in a foreign currency also keep the original foreign amount for reference.
One line per asset: its type (gold, land, savings, funds, stocks…), whose name it is in — one person, several co-owners, or shared — and what it is worth today.
The balance left and the rate on each one. The debt payoff playbook reads straight from here, so you never type them twice.
Record buying more, selling some, withdrawals or moves from one place to another. With complete transactions the app works out each asset's cost basis and gain or loss. Without them, an asset's value is simply the number you entered.
You can add family members as profiles so assets are tied to the right person, at no cost. Anyone who joins with their own account can view; for several people to record together, use the Family plan and choose each person’s access, from view-only to co-managing.
Closing the books records the month-end value of every asset and debt, then freezes them into a period. Periods line up into your net-worth chart, monthly and yearly reports, and the year-on-year comparison.
Near month-end the app reminds you — at most twice, then it stops. Skip both and that month simply has no period; the app never closes it on its own.
Open the close screen and each asset shows its stored value, with its picture and everyone whose name it is in — two same-named funds held by a couple are easy to tell apart.
Land and gold usually change little in the short run; funds, stocks and crypto move more often. Search plus filters by holder, type and "not yet edited" make the review quicker.
The app saves total assets, total debts, net worth and the Financial Health score as of that day. Filters only change what you see; closing the books still saves every asset, including ones filtered off the screen.
Once closed, a period is locked: transactions dated inside it can no longer be added, edited or deleted, so that month’s report never shifts quietly. Forgot something? Delete the close, record it, close again. Periods from a past year are locked for good, because every year-on-year figure already depends on them.
An automatic price feed sounds convenient. We weighed it carefully and chose not to build one, for the six reasons below.
Land, a house, gold in the safe, wedding gold, an insurance policy, money lent to someone you know, a stake in a business — no price feed can update those. Market data only covers stocks, funds and crypto: a small part of the picture.
If a few assets update themselves while most keep old prices, the total mixes figures from different moments. No one can tell which numbers are fresh — exactly the kind of error that is hardest to notice.
Gold has a buy price and a sell price, and every shop differs. Land has an asking price and a transaction price. Open-ended funds publish prices on a schedule. The person who knows best what your assets would actually fetch is you.
Verdant doesn't connect to your bank and stores no passwords. Every price source is one more third party receiving requests from the app, and it would have to be declared in the Privacy Policy. Fewer parties means fewer places for data to go astray.
The September period is the number your family confirmed at the end of September. If prices updated themselves every day, the same month would show two numbers on two visits, and comparing one month with the last would lose its meaning.
Sitting down to update the numbers is when you see what is growing, what is standing still, and what is worth talking about. When prices update themselves, you rarely stop to look at how things are changing.
Compound interest, loans, renting versus buying, early payoff, payoff order — each tool has its own page on what it does and why it exists, with a sample table.
Record keeping, net worth and month-end closing are always free.
