FEATURE 04 / THE ELEGANCE OF THREE
The elegance
of three.
Vardon groups your finances into three views: Main Account for everyday money, Investment Portfolio for investments, and Rest Easy for reserves. See where your money sits and what you have set it aside for.
Includes a net-worth summary of your assets and liabilities.
Main Account
£ 9,272.74
- Net Income
- £239,716.48
- Expenditures
- £204,135.60
- Fixed
- £32,813.01
Investment Portfolio
£ 13,744.02
- Invested
- £11,831.14
- Returns
-
£1,492.53
12.62%
- Cash Balance
- £420.35
Rest Easy
£ 13,590.00
- Emergency Fund
- £11,820.00
- Sinking Fund
- £1,590.00
- Interest Earned
- £180.00
MAIN ACCOUNT
The Main.
Everyday money, with income, spending and fixed costs shown together.
INVESTMENT PORTFOLIO
The Growth.
Portfolio value and returns, with cash held in your brokerage.
REST EASY
The Relief.
Emergency reserves, sinking funds and recorded interest in one reserve view.
01 / MAIN ACCOUNT
Everyday money in Main Account
Main Account shows the amount Vardon calculates for everyday money alongside net income, spending and fixed costs.
It reflects recorded outgoings and money allocated elsewhere, including investments and reserves. Keeping those allocations separate helps you see what remains in Main.
Explore banking & investment automation02 / INVESTMENT PORTFOLIO
Your investments, with their own overview
See the current value of your investments and brokerage cash together. The summary also shows the amount invested and unrealised gains or losses where cost-basis data is available.
Use the portfolio view to review holdings and brokerage activity, with investment money kept separate from your everyday spending.
03 / REST EASY
Keep track of reserves with Rest Easy
Rest Easy brings emergency reserves, sinking-fund allocations and recorded interest into one view.
Record money added to or taken from your emergency fund. For a planned cost, give it a sinking-fund target and track the amount allocated towards it.
Explore budgets & sinking fundsTHE OVERALL PICTURE
See what you own alongside what you owe
The net-worth summary brings your recorded assets and liabilities together, alongside the three account views.
ASSETS
Money across the three views
Main Account, investment holdings and brokerage cash, plus emergency reserves, sinking funds and recorded interest.
LIABILITIES
Loans and credit card balances
Your outstanding loan and credit card balances are included in the liabilities shown in your net-worth summary.
Net worth is the value of your recorded assets minus your liabilities.
Explore loans & repayment planningWhat is The Elegance of Three?
The Elegance of Three is Vardon’s way of organising personal finances. Main Account covers everyday money, Investment Portfolio brings together your investments and brokerage cash, and Rest Easy tracks reserves for emergencies and planned costs.
Do I need to open three bank accounts?
No. Main Account, Investment Portfolio and Rest Easy are views inside Vardon. They organise your financial records by purpose and do not create new bank or brokerage accounts.
How is Main Account different from a bank balance?
Main Account is calculated from records held in Vardon, including income, spending and allocations to investments or reserves. A bank balance is the amount shown by a particular bank account, so the two figures can differ.
What does the Investment Portfolio summary show?
It shows the current value of your holdings and brokerage cash, plus the amount invested and unrealised returns when cost-basis data is available. Where cost basis is missing or estimated, the invested amount and returns are marked unavailable.
What is included in Rest Easy?
Rest Easy includes your recorded emergency reserve, sinking-fund allocations and interest earned. You can record additions or withdrawals from your emergency fund and use sinking funds for planned expenses. Recording an allocation in Vardon does not make a bank transfer.
How does net worth relate to the three views?
Vardon brings together the assets recorded across Main Account, Investment Portfolio and Rest Easy, then subtracts outstanding loan and credit card balances. The summary shows assets and liabilities alongside the resulting net worth.
Bring your money into view
Download Vardon to organise everyday money, investments and reserves.
