Early access to a product that is not finished
Monverdo opens to early-access users in April 2027. That is a target rather than a promise. Here is what joining now actually gets you.
What is Monverdo?
Monverdo keeps a proper set of books for your personal finances. Underneath it runs a full double-entry accounting engine, the same discipline a company’s books run on, so your net worth and your investment returns are figures you can check rather than figures you hope are right. It is not a budgeting app. Today you bring your statements in yourself.
A budgeting app tells you where the money went. Monverdo tells you what you own, what you owe and whether your investments did what you think they did.
The people it is built for already track their money and have outgrown the spreadsheet, usually because there is more than one account, more than one currency or more than one place the investments live. A spreadsheet does whatever you tell it, including the wrong thing, quietly. Monverdo will not let the two sides disagree, so when something is off it shows you rather than absorbing it.
What does early access get you?
Not a discount, not a free tier and not a place in a queue that moves. Early access means four things. You are told when Monverdo opens, before it is announced anywhere else. You see the pricing before anyone is asked to pay. You get occasional notes on what is being built. Every reply is read.
There is no charge for joining and no card to enter. Nothing is reserved, nothing expires and no offer is being held open for a countdown.
On price, the honest position: pricing is not published yet. It will be, before anyone is asked to pay. A number quoted now would be a guess dressed as a commitment. You would find out it had moved at exactly the wrong moment.
The last of the four is worth most right now. Replies are read, not filed. That will stop being true at some point, so it is worth using whilst it still is.
When does it open?
April 2027 is the target for opening Monverdo to early-access users. It is a target rather than a commitment. It is held to readiness rather than to the calendar. If the product is not ready the date moves. You are told that it moved rather than left to work it out. What exists today is the accounting engine underneath, ten free calculators on this site and a product still being built around them.
Being honest about what “ready” means here. Ready is not a feature list. It is the point at which someone can put their own opening balances in, get a balance sheet back that agrees with their own arithmetic and find nothing that quietly rounds a problem away. Until that holds for a real person’s real accounts, shipping it would waste your time rather than save it.
What happens after you sign up?
A confirmation email arrives immediately. After that, occasional notes on what is being built, roughly monthly. Every email carries an unsubscribe link that works on the first click.
No email will ask you to act on your money. None of them is a sales sequence with a deadline attached.
If a month goes by with nothing worth saying, nothing is sent. A newsletter that arrives on schedule regardless of whether anything happened is a newsletter nobody reads by month four.
What Monverdo does not do
It does not give financial advice. It will not tell you whether you are saving enough, rank options for you or put a star next to one of them. That one is permanent. It is the constraint the product is built around.
Direct bank connections are a different matter. Today you import statements yourself, which is more work on day one. Connecting to accounts directly is planned, with no date attached. What the extra work buys either way is a reconciled set of books: every figure traces to an entry, every entry balances. That is the only way a number stays checkable once your wealth is spread across eleven accounts.
A worked case makes the point better than the claim does. Say a portfolio shows 9% for the year, which is what the annual statement reports. Sensible enough, until you look underneath. A fund at 12% can be papering over a property at 3%. Same 9% on the front page, an entirely different picture behind it. Monverdo shows the breakdown. What it will never do is tell you what to do about the 3%.
The calculators are free and need no signup
Ten calculators sit on this site: time-weighted return, money-weighted against time-weighted, Modified Dietz, a personal balance sheet, tax-free savings, retirement annuity against tax-free savings, marginal capital gains, estate duty, multi-currency and FX decomposition. All ten are free, none requires an email address and the results are yours whether or not you ever sign up.
They run in your browser. Your figures stay on your device until you choose to save them.
If you want to know whether the arithmetic here is careful before you trust anything else on this site, that is the cheapest way to find out. Bring a number you already know the answer to and check it.
Monverdo measures and reports. It does not give financial advice. These figures are calculations from your own data and your own assumptions. For advice about what to do, speak to a licensed adviser.