Every asset you own, across 20+ markets — tracked, understood, and handed on to the people you love.
Six pillars of wealth-management experience compressed into a free product. Each one answers a frustration we lived through ourselves before automating it away.
Decades of combined experience tracking equities, fixed income, crypto, real estate, and alternatives across institutional and retail mandates. We model the same XIRR, time-weighted returns, and cash-flow accounting that wealth managers use for high-net-worth clients — and put them in the hands of every investor for free.
Built specifically for international investors juggling assets across multiple geographies — India, US, UK, EU, and Southeast Asia. Daily-refreshed FX, jurisdiction-aware tax handling, and 17-currency conversion mean a single dashboard reflects your real global net worth — not seven disconnected broker statements.
A wealth platform is incomplete if it dies with its owner. We treat nominee designation, alive-checks, and automated legacy transfer as first-class features — informed by direct work with families navigating intergenerational asset transfer, will execution, and probate friction.
Portfolio summaries, rebalancing suggestions, and conversational analysis powered by Google Gemini and OpenRouter — not as a gimmick, but to compress the analyst-grade portfolio review that costs $300/hour at a wealth firm into a free, on-demand insight.
Read-only integrations with crypto exchanges, encryption-at-rest for sensitive financial data, JWT dual-token authentication, and Google Sign-In with strict consent gating. We never sell data and never store broker credentials — we only ingest what the user explicitly imports.
The roadmap is shaped by direct conversations with investors managing six- to eight-figure portfolios across multiple geographies. Every feature — from FIRE calculators to insurance vault to Money Crew family-sharing — answered a real frustration first surfaced by a real user.
Five non-negotiable principles that shape every line of code we ship.
Fair pricing — core wealth tracking is free; Premium exists only for the extras that cost real money to run.
No data selling, ever. Your financial life is not a marketing dataset.
International first — currencies, jurisdictions, and asset classes are equal citizens.
We answer every email personally. Whether you're an investor with feedback, a journalist writing about cross-border wealth, or a finance professional curious about the platform — reach out.
Agni Folio is owned and operated by Nivela Tech Private Limited, a company registered in India.
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