Generic AI
Why did my expenses increase?
Your expenses may have increased because of higher payroll costs, supplier prices, or seasonal spending.
Possible explanations, without access to your financial records.
Meet Varda, the financial AI built for small businesses and nonprofits. Connect your accounts, ask questions, and get clear answers grounded in your actual financial activity—so you can move forward with confidence.
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.
Generic AI can offer explanations. Varda works from your financial records to show you what actually changed.
Illustrative comparison · Sample data, not customer results
Why did my expenses increase?
Your expenses may have increased because of higher payroll costs, supplier prices, or seasonal spending.
Possible explanations, without access to your financial records.
Why did my expenses increase?
Your expenses increased by $8,420.
Here's where the increase occurred:
Review supporting transactions →
These records show where spending increased, not the underlying business cause.
Generic AI can give you an answer. Varda is designed to give you an answer backed by your financial records. By connecting your accounts and understanding your financial activity, Varda helps you see where your money goes, what's changing, and what the numbers actually show.
Varda works with your actual bank accounts, credit cards, and uploaded financial records—not disconnected conversations or manually pasted reports.
Explore the transactions and financial activity behind your answers. Understand where the numbers come from.
Understand spending, cash activity, vendor changes, and financial trends so you can make more informed decisions.
Built to explain, not guess. Your records show what changed; they may not establish why. Possible explanations are distinct from verified financial facts, and missing records can limit an answer.
Stop switching between bank portals to answer a basic question. Varda brings the accounts for your selected business into one clear view.
Review recorded money in and money out with identified internal transfers removed so the same movement is not counted twice.
Varda organizes vendor activity and surfaces changes against the transaction history available for that business.
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.
Transactions are checked against 31 payment and vendor patterns. When something looks unusual, Varda provides the detail for you to review.
Ask a historical question about the selected business and receive a plain-English answer grounded in the records Varda can see.
Every question follows the same controlled path from your connected records to a plain-English explanation.
Varda reviews each business against transaction and vendor patterns calibrated for the size and history of that business.
Varda monitors your business without ever holding the keys to your money.
Have questions about Varda or pricing? Tell us about your business and what you want to understand about your finances.
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