Understand your money without working for it.
SageFolio reads your banks, brokers and loans, then answers in plain language: what you're worth, what changed, and what to do next. One number first. The reasoning when you ask for it.
Read-only access through the account aggregator. No bank password, UPI PIN or OTP, ever.
Your net worth rose ₹1.84L this month. Equity gains did ₹1.42L of it; the rest is fresh investment and loan principal repaid.
Summary first. Explanation on request. Then the action.
Most finance apps hand you a dashboard and ask you to do the analysis. SageFolio does the analysis and hands you the sentence.
The number, in ten seconds
Net worth, the change, and the period it covers. Nothing else competes for attention until you ask for it.
Why it moved
Change is separated into market movement, fresh contributions, and principal repaid — not left as one unexplained figure.
What to do about it
Ask Sage, and get a verdict grounded in your own ledger, with the numbers behind it stated plainly.
Everything in one ledger.
Seven surfaces, one source of truth.One number, then the reasoning behind it
Net worth across every connected account, with absolute gain and XIRR alongside it, and a financial-year selector for looking back.
Assets and liabilities from banks, brokers, funds, EPF and manually added holdings, in one ledger.
Holdings value and cash shown separately, so an investments-only import never overstates what you have.
A breakdown that expands only when you ask for it, not by default.
Recent activity and allocation by asset type on the same screen as the headline number.
Your financial copilot, reading your actual ledger.
Ask questions and understand what's happening with your money. Sage answers with a verdict, the numbers behind it, and what to watch.
Illustrative example.
Yes, and the rate is improving — but the gain isn't from spending less.
- Savings rate 37% last month, up from 31% the month before.
- Income came in above your baseline — a bonus landed.
- Expenses were roughly flat against your six-month average.
Strip the bonus out and you're saving closer to 31%. Worth deciding where the extra goes before it drifts.
Read-only, revocable, and never sold.
Account aggregator, not your password
You authenticate at your own bank or broker. SageFolio never asks for a password, UPI PIN or OTP, and cannot move money.
Encrypted, not for sale
Your ledger is encrypted at rest and in transit. It isn't sold, and it isn't used to train models.
Revoke in one place
Every connection shows its consent status. Revoking one stops the data; deleting your account revokes them all.
Questions people ask first.
See your whole financial life in one ledger.
Connect your accounts, or import a statement to start. Free to get started, no card required.