Verdant Flow is your own spending book: log each expense in seconds, see income and spending by your actual pay cycle, set budgets and keep an eye on subscriptions. Money you invest stays separate, because it isn’t gone.
Verdant is coming soon to the App Store and Google Play. Android phones can install the APK now, and any device can use it in the browser.
Everyone has promised to track spending properly. It usually stops by week two, and the reasons tend to be these three.
Open the app, pick a wallet, hunt for a category, type the amount… it takes longer than paying. A few days in, you’re tired of it.
Paid on the 25th but the book splits months on the 1st, so every month looks short at the start and oddly flush at the end.
Top up a fund or buy a little gold and it’s logged as spending, so your best saving month looks like your most wasteful one.
Tap plus, pick Spend, Income or Transfer, then type the amount. Splitting dinner three ways? Type 120,000 ÷ 3 and the app works out the total.
Paid on the 25th? Your cycle runs from the 25th to the 24th of next month, and every number in Flow follows it. A running cycle is always compared with the same number of days last cycle.
Flow splits money in, money spent, money invested and money left. Any category that moves 15% or more versus the same days last cycle gets called out, with before and after.
Set one per category or one for total spending; it repeats every pay cycle. The app tells you when you’re over, when you reach 80%, and from day 7 of the cycle, when this pace would take you over by the end.
Streaming, music, cloud storage, phone plans… add them once and Flow converts everything to a monthly figure, marks due dates and warns you when next month costs more because a plan went up.
Log an Investing entry and pick an asset in Wealth: the money leaves your wallet here and becomes a contribution there. Repayments lower the debt by the principal only. It shares an app with Family Wealth, so one entry updates both sides.
The small things that make the book easy to use every day. And the data is always yours to take with you.
Cash, bank, e-wallet, credit card. Each with its own icon or photo.
Hand-drawn icons in colours you pick. Merge two, or hide one while old entries stay.
By note, tag, category or wallet, or just weekdays versus weekends.
Share the family grocery wallet. Whoever logs an entry owns it; others can only view.
Export everything to CSV for Excel. Three languages: Vietnamese, English, Traditional Chinese.
Assets belong to the family; spending belongs to each person. Flow is built around exactly that.
Nobody can see your private wallets, not even the family owner in Verdant. Nobody can log, edit or delete spending for someone else.
When you opt in, Wealth receives monthly totals, never the individual things you spent on. Something private? Leave it out when you log it.
You log things yourself. The app never asks for bank access, never holds your money and never sells your data.
Export everything to CSV anytime. Delete just your Spending data and keep Wealth, or delete the whole account.
Flow is built into the Verdant app and shares your Family Wealth account. Nothing extra to install.
Tap the page title at the top of the home screen and choose Spending. Back to Wealth is one tap too.
Enter your wallet’s current balance, pick your payday in Account, then log your first entry.
No. Flow is the Spending side of the Verdant app and shares your Family Wealth account. One app, one tap to switch between Wealth and Spending.
Flow shares one plan with Verdant Family Wealth. During launch every feature is free, and we’ll give at least 30 days’ notice before charging. Logging and exporting your data are always free.
No, except for wallets you choose to share. Private wallets are invisible to everyone, including the family owner. If you opt in, Wealth only gets your monthly totals.
No. You log entries yourself, so the app never needs bank access. The keypad, Today / Yesterday and searchable categories keep manual logging quick.
Go to Account, Payday, and choose calendar months. Every report then runs from the 1st to the end of the month.
Because it isn’t gone: it leaves your wallet and becomes an asset. Lumping it in would make your best investing month look like your most wasteful one. Flow keeps Investing separate, and Saved includes it.
No. Your data follows your account, so signing in on a new phone brings everything back. For extra peace of mind, export a CSV now and then.
One week is enough to see where your money goes. Flow is built into the Verdant app and works on any device.
Verdant is coming soon to the App Store and Google Play. Android phones can install the APK now, and any device can use it in the browser.