Bring your accounts together. Understand your cash, expenses, and financial activity—and ask questions with answers grounded in your records.
Harbor Studio / Conversation June – August 2026
Show me all my accounts activity.
Consolidated checking + savings activity · Internal transfers excluded
Jun
Jul
Aug
Green: Money In · Purple: Money Out · Internal transfers excluded
Credit-card activity stays separate from bank cash flow to avoid double counting.
Illustrative posted activity—not profit or a forecast. Actual answers depend on your available data.
Varda goes beyond answering questions. We organize your financial records, learn how your business operates, and use consistent calculations to deliver answers you can verify.
Illustrative product story · Sample data, not customer results
Why did my expenses increase?
Higher payroll, supplier prices, or seasonal spending could be possibilities—but without the records, the cause and amounts cannot be verified.
General-purpose AI can analyze financial data when provided. The difference here is the records and context available to the answer.
Recorded spending increased by
$8,420August versus July 2026 · Here is where it changed.
These sample comparison inputs reconcile to the $8,420 increase.
| Category | July | August | Change |
|---|---|---|---|
| Payroll | $36,800 | $42,000 | +$5,200 |
| Inventory | $14,000 | $16,100 | +$2,100 |
| Software | $2,000 | $3,120 | +$1,120 |
This identifies where spending increased, not the underlying business cause.
Did this $8,500 deposit increase revenue?
A deposit alone does not tell the whole story. It could be a customer payment, a loan, or money moved from another business account.
Standard financial definitions, industry-specific rules where supported, and customer-confirmed classifications work together. Available rule support varies; uncertain items need review.
A matched transfer, not new revenue
$8,500Excluded from consolidated revenue and spending when both sides are matched. Still visible in each account’s activity.
Illustrates supported transfer matching—not a promise that every industry-specific rule is available. Business-specific labels are reviewed with you during onboarding.
What did we spend on payroll in August?
AI interprets the question and explains the result. Deterministic financial calculations supply the totals from the records in scope.
The same records, definitions, and scope produce the same calculated total. Different questions, corrected classifications, or updated records can change the answer.
Recorded payroll payments
$42,000Calculated from included records. AI explains the answer; it does not supply an invented total.
What makes up the $42,000?
Review the payments included in the answer, along with its reporting period and category definition.
Records support the amount—not every explanation of why it changed. Missing uploads or incorrect classifications can affect the result; AI explanations still need review.
Recorded payroll payments · August 2026
$42,000| Date | Category | Paid |
|---|---|---|
| Aug 14, 2026 | Payroll | $21,000 |
| Aug 28, 2026 | Payroll | $21,000 |
| Total | $42,000 | |
Only these two sample posted payments are included. This is not accrued payroll, profit, or proof that a real business’s records are complete.
Varda organizes your activity. You help resolve uncertain classifications and business-specific definitions, so the answers reflect what your payments mean.
Connect supported bank accounts and cards, or upload your records.
Bring financial activity together, with supported transfer matching and categories.
Review unclear payments and confirm labels and supported definitions that fit your business.
Explore cash and spending, then examine the records behind the answer.
Explore a question to see a sample answer—from cash and vendors to recurring spending and payments worth reviewing.
Connect a supported institution or upload your records. This walkthrough does not connect real accounts.
Checking + savings: $105,000 cash. Credit card debt is shown separately, not counted as cash.
Connect or upload → Review account labels → Explore consolidated activity
Your answers depend on the records available to Varda. These are examples, not your financial data.
Your answers depend on the records available to Varda. These are examples, not your financial data.
This sample shows a decrease—not an increase. The same comparison helps identify changes without assuming their cause.
Your answers depend on the records available to Varda. These are examples, not your financial data.
Separate illustrative vendor dataset · February–July. Not the August payroll example.
Your answers depend on the records available to Varda. These are examples, not your financial data.
| Date | Payee | Amount |
|---|---|---|
| Aug 14 | Harbor Payroll | $21,000 |
| Aug 28 | Harbor Payroll | $21,000 |
Two recorded payments totaling $42,000. Repetition alone does not establish a subscription, future schedule, or upcoming payment.
Your answers depend on the records available to Varda. These are examples, not your financial data.
Your answers depend on the records available to Varda. These are examples, not your financial data.
Separate illustrative Command Center dataset. Bank balances and credit-card amounts owed are shown separately.
Your answers depend on the records available to Varda. These are examples, not your financial data.
Two similar payments to ABC Supplies within 7 days.
A one-time payment to a vendor that appears only once.
Vendor activity resumed after 112 days with a different amount.
Separate illustrative Protection Center examples. These are review signals—not proof of fraud, errors, or recoverable savings.
Your answers depend on the records available to Varda. These are examples, not your financial data.
Have a question about your own business?
Start 14-day free trial →Read-only connections. Calculations grounded in available records. Supporting transactions you can examine.
Have questions about Varda or pricing? Tell us about your business and what you want to understand about your finances.
Contact Us →