Understand your business in minutes.

Varda connects your financial accounts, monitors what matters, and shows you exactly where you can save.

Know what changed
Track recurring spending
Find ways to reduce costs
Review your vendors
Catch price increases automatically
Stay protected
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No credit card requiredSetup in 2 minutesResults in minutes
Business CheckingDaily balances and transactions
Credit CardsBusiness expenses and payments
Savings AccountsCash reserves and savings activity
Accounting SoftwareBooks, reports, and financial data
Loans & FinancingLoan balances and payment activity
CSV / Excel FilesUpload your files in seconds

The financial questions that matter most.
Answered.

Scroll to see how Varda turns your financial data into clarity, insights, and confidence.

1
Question 1

Where is my money?

See all your accounts in one place, updated automatically.

All accounts, one view
Daily balances
No manual work
VARDA
EC
Command Center
Here's what's happening with your business.
7d30d90d6mo1y
Net Cash Flow
$0
↑ 31% vs prior 30 days
Money In
$0
↑ 21% vs prior 30 days
Money Out
$0
↑ 9% vs prior 30 days
Average Daily Cash
$0
↑ 18% vs prior 30 days
Cash flow trend
Daily net cash flow
$6K$3K$0-$3K-$6K
May 20May 27Jun 3Jun 10Jun 17
Top account balances
Chase Checking$28,540
Chase Savings$14,270
American Express-$2,340
Total$40,470
View all accounts →
Connected accounts
8 of 8 connected
Chase Bank
Checking ••1234
Connected
American Express
••5478
Connected
QuickBooks
Company file
Connected
Shopify
Sales
Connected
+4 more
View all
Business Brief · Last updated 2 hours ago
Review all →
No unusual activity
2 new vendors added
1 large transaction reviewed
2
Question 2

What changed?

Varda monitors your business 24/7 and shows what's different since your last review.

Key changes highlighted
Easy to understand
Stay ahead of issues
VARDA
EC
Money In & Out
Understand exactly where money came from, where it went, and how your net position changed.
Reviewing Jan 1, 2024 – Jun 5, 2025
Export
DayWeekMonth
1d7d30d90d6mo1yAllCustom
Money In
$0
vs prior period
↓ 91% (−$32,643)
Money Out
$0
vs prior period
↓ 78% (−$16,364)
Net
−$0
vs prior period
↓ 108% (−$16,279)
CategoryJan 24Feb 24Mar 24Apr 24May 24Jun 24Jul 24Aug 24Sep 24Oct 24
MONEY IN
›Sales Revenue0000000000
TOTAL MONEY IN0000000000
MONEY OUT
›Payroll0000000000
›Rent & Lease0000000000
›Meals & Entertainment0000000000
›Cost of Goods0000000000
›Utilities0000000000
›Other0000000000
TOTAL MONEY OUT0000000000
NET0000000000
3
Question 3

What is my biggest opportunity?

See where you can save the most across your business.

Biggest opportunities first
Clear monthly impact
Recommended next steps
VARDA
EC
Insights
See why your numbers changed — not just what happened.
This month (May 1 – May 31) ▾
Reviewing May 1 – May 31, 2025
1d7d30d90d6mo1yAllCustom
Total potential savings
$0/month
$7,704 per year
Opportunities found
0
Across 5 categories
Biggest impact
$0/month
Insurance — better rates available
Action needed
0
Require your attention
Top opportunities
Opportunities with the highest potential savings.
View all opportunities →
OpportunityImpactConfidenceCategory
Insurance — better rates availableSwitching providers could save you money.
$420 /month$5,040 per yearHighInsurance ›
Adobe Creative Cloud — 2 unused licensesYou're paying for licenses that aren't being used.
$92 /month$1,104 per yearHighSoftware ›
Office Depot — prices increasedPrices are 18% higher than similar vendors.
$76 /month$912 per yearMediumSupplies ›
Zoom — downgrade planYou're on a higher plan than you need.
$54 /month$648 per yearHighSoftware ›
Total potential savings$642 /month$7,704 per year
Savings by category
Where your opportunities exist.
$642/month Total
Insurance$42065%
Software$14623%
Supplies$7612%
Other$00%
View savings by vendor →
Recommended next steps
Quick actions to start saving.
Review insurance options
Get better coverage for less.
$420 /month
Manage Adobe licenses
Remove unused licenses.
$92 /month
Compare Office Depot pricing
You could pay less.
$76 /month
Downgrade Zoom plan
Right-size your plan.
$54 /month
4
Question 4

Who am I paying?

Review your subscriptions and vendors in one place.

Subscription tracking
Vendor spending
Better insights
VARDA
EC
Review: Subscriptions & Vendors
Everything you pay for and who you pay.
This month (May 1 – May 31) ▾
Total spend
$0
↑ 8% vs Apr 1 – Apr 30
Subscriptions
$0
↑ 5% vs Apr 1 – Apr 30
Vendors
$0
↑ 8% vs Apr 1 – Apr 30
Top category
Office Supplies
$14,270 (10%)
SubscriptionsVendors
Subscription changes
Track price changes, new subscriptions, and cancellations.
View all →
ServiceStatusChangeNew PriceRenewal
Adobe Creative CloudPrice increase+$10.00$59.99/moJul 18, 2025
Microsoft 365No change$0.00$54.99/moJul 22, 2025
SlackNo change$0.00$12.50/moJul 25, 2025
Canva ProNew subscriptionNew$12.99/moJul 30, 2025
MailchimpCancelled-$25.00$0.00/mo—
Subscription summary
$0Total
Software$3,62054%
Productivity$1,45022%
Marketing$82012%
Design$5128%
Other$3104%
↑ 5% vs Apr 1 – Apr 30Manage subscriptions ›
Top vendors by spend
Your top vendors and spending overview.
View all →
VendorTotal spend% of totalChange
Amazon$28,64019%↑ 12%
Office Depot$14,27010%↑ 8%
Fuel Express$9,8807%↓ 4%
ADP$8,3406%↑ 3%
Delta Dental$6,1904%↑ 6%
Vendor insights
High concentration risk
52% of spend is with your top 3 vendors.
›
Price increases detected
3 vendors increased prices this month.
›
Potential duplicates
We found 2 vendors with similar names.
›
New vendors added
4 new vendors added this month.
›
5
Question 5

Should I worry about anything?

Varda watches for risks so you can focus on running your business.

Potential issues flagged
Risk level shown
Peace of mind
VARDA
EC
Protection Center
We're watching 24/7.
0
Potential Issues
Review needed
0
Monitored
No issues
✓
All caught up
No critical issues
Recent alerts
View all alerts →
Duplicate payment detected
Office Depot
$540Jun 17, 2024Review
New vendor added
Tech Solutions LLC
$1,200Jun 16, 2024Review
Large transaction
Equipment purchase
$12,500Jun 15, 2024Review
Smart rules
Large transactions
Duplicate payments
New vendors
Unusual spending
Price increases
Monitoring coverage
Accounts monitored8 of 8
Last scan3 days ago
Active rules5
System statusAll clear
And it all comes together

Every answer, on one screen.

app.varda.com
VARDA
Ask Varda
Command Center
Money In & Out
Insights
Vendors
Protection Center
Reports
Settings
Help Center
Give Feedback
ECEd CaldwellCaldwell Landscaping
Protecting your businessLast scan: 2 hrs ago ●
2EC
Good morning!
What would you like to understand about your business today?
Ask anything about your business...
Where did my money go?Why is payroll higher?What changed this month?Did anything unusual happen?Which vendors increased prices?What subscriptions can I cancel?How much cash do I have?More questions
Business BriefHere's what happened since yesterday.
View all insights →
Revenue up 6%Total revenue is $104,351 vs yesterday.
1 new vendor addedRthgate Holdings was added on May 14.
Adobe increased pricingAdobe Creative Cloud price increased $92/mo.
Cash balance down $4,800Ending balance is $42,810.
Estimated opportunities
$642/month
Total potential savings identified for you.
Review opportunities →
All insights based on data through May 31, 2025
Recent conversations
Why was cash lower in May?2 hrs ago
Show me duplicate paymentsYesterday
Which vendors increased prices?May 29
Review subscriptions over $100May 28
How is my business trending?May 26
View all conversations →
One thing caught my attentionNEW
Software spending increased 18% over the past 60 days, driven mostly by Adobe and Microsoft subscriptions.
Review now →

Your whole business, one question away.

Ask Varda anything and get a clear answer in seconds—drawn from every account, transaction, and trend across your business.

Plain-English answers, instantly
A daily brief of what changed
Opportunities and risks, surfaced for you
Explore Ask Varda
One powerful workspace

One workspace.
Complete financial visibility.

Connect your accounts, understand what changed, uncover savings opportunities, and protect your business—all from one place.

Understand
See your cash, accounts, and what's happening.
Cash overview
Money in & out
Connected accounts
Average daily cash
Cash history
Improve
Find opportunities to save and reduce costs.
Cost Opportunities
Subscription tracking
Vendor insights
Price increase alerts
Savings over time
Protect
Catch issues early and keep your business safe.
Duplicate payments
Large transactions
New vendor alerts
Unusual activity
Protection Center
Review
Review performance and stay informed.
Business Brief
Weekly summaries
Spending trends
Historical insights
Export reports
Connect in minutes
Securely connect your accounts or upload a file.
Your data is secure
Bank-level encryption and read-only connections.
No credit card required
Get started for free and see value fast.
Built for small business
Designed for owners who want clarity, not complexity.

Built for the way small businesses actually work.

Most business owners don't have time to jump between bank accounts, credit cards, accounting software, and spreadsheets. Varda brings everything together so you always know where your business stands.

Save hours every week
No more switching between apps or hunting for reports.
Make smarter decisions
See what changed, spot trends, and act with confidence.
Protect what you've built
Catch unusual activity and avoid costly surprises.
Created for owners
No accounting degree required.
Simple, transparent pricing

One plan. Everything included.

All-In-One Plan

$79/month
Unlimited accounts
Recurring spending
Unlimited businesses
Protection center
Cash insights
AI business brief
Profitability
Smart alerts
Vendor intelligence
And more…
Start Free Trial →
No credit card required. Cancel anytime.
Frequently asked questions
How does Varda connect to my accounts?−
Varda connects securely through Plaid — the same technology used by major banks and apps. Access is read-only, so we can never move your money.
Is my data secure?+
Can I track multiple businesses?+
How often is my data updated?+
Can I cancel anytime?+

See your full financial picture today.

Join thousands of business owners who trust Varda.

No credit card requiredSetup in 2 minutesResults in minutes
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