Budgeting, net worth, investments.
No bank login required.
The personal finance app that doesn't sell your data — or require it. Drag in a CSV, keep every transaction exportable, and get YNAB-quality envelope budgeting with Empower-quality net worth tracking, in one place.
Free during beta · No credit card · Your data is yours forever
Pillar 01 · Bring your own data
Drag in a CSV. We figure out the rest.
Most budgeting apps make you hand over your bank login at step one. Verdant starts with a file — drag in a statement from any US bank and our smart column detection handles the rest. Plaid bank sync is coming soon as an option, not a requirement.
Smart column detection
Knows that 'Trans' means transaction, 'Ref' means reference, and handles banks that prefix their CSVs with account info rows.
Works with your bank
Chase, Capital One, Navy Federal, Schwab, Fidelity, Vanguard, and dozens more. CSV, XLSX, OFX, and QFX formats.
Learns as you categorize
Tell Verdant that Trader Joe's is groceries once. Every transaction after that categorizes itself.
chase-checking-2026.csv
847 rows · detected as Chase format
$247,830
Across 9 accounts · 30-day trend
- Fidelity 401(k)$142,500
- Vanguard brokerage$68,240
- Checking$8,410
- Auto loan-$18,320
Pillar 02 · The complete picture
Budgeting and net worth. In one app.
YNAB users open Empower for net worth. Empower users open a spreadsheet to budget. Verdant replaces both — with the envelope system and the wealth tracking living on the same data, so every dollar you spend tells the full story of every dollar you own.
Pillar 03 · Your data, your exit
Your money data, treated like money data.
Export everything, any time
Full CSV and JSON export of every transaction, budget, category, account, and investment holding. No sub-plan required.
No ads. No trackers on account pages.
We don't sell your data. We don't run ads. We don't load third-party analytics where your financial data lives.
Plaid is optional, not required
Bank sync is a convenience, not a gate. Use it when it's available, or skip it forever and work from CSVs.
Who it's for
Built for people the big incumbents aren't serving.
Excel migrators
You built your own budget in spreadsheets because every app felt wrong. Verdant keeps the control, kills the manual entry.
Privacy-conscious users
You won't link your bank on principle. Verdant works end-to-end from CSVs — no Plaid required, ever.
De-cloud migrants
You saw Mint shut down. You watched Intuit sell spending data to lenders. You want a paid app that works for you, not advertisers.
On the roadmap
What's coming next.
Plaid bank sync
Optional, auto-refreshing bank + brokerage connections once Plaid production approval lands.
Offline mode
Work without a network connection and sync when you're back online.
Local-first architecture
Every read served from your device, with the cloud as sync — not source of truth.
Mobile apps
Native iOS and Android, sharing the same data and design system as the web app.
Lifetime plan option
A one-time purchase alternative to the monthly subscription for people who don't want another recurring bill.
Creator program
A transparent affiliate / revenue-share program for indie creators covering personal finance.
A money app worth paying for.
Free during the invite-only beta. $12/month once we launch — one plan, everything included, no upsells. Built by people who got tired of picking between privacy and polish.