Agni Folio vs a spreadsheet
A spreadsheet is free and bends to any idea you have, but you do the typing, the prices and the exchange rates. Agni Folio does those for you and keeps a plan for your family.
| Feature | A spreadsheet | Agni Folio |
|---|---|---|
| Price | Free with Google Sheets, or part of Excel | Free plan; Premium US$2.99/month (₹249/month in India) |
| Free plan | Free | No time limit, no card |
| Assets in several countries and currencies in one view | Yes, with exchange-rate formulas you write and maintain | 20 display currencies, rates for 160+ |
| Live prices for US, UK, Singapore, India and UAE shares | Some listings via GOOGLEFINANCE or add-ons; gaps you fill by hand | US, London, SGX, NSE/BSE, fund NAVs and DFM; ADX by value |
| Indian mutual funds and CAS statement import | You type each fund and its units in yourself | CAMS/KFintech CAS PDF, matched by ISIN and folio |
| Crypto exchange sync | Only through add-ons or scripts you set up | Read-only: 7 exchanges incl. Binance, Coinbase, Kraken |
| Reads a statement for you (PDF, photo, CSV) | You copy the figures in yourself | AI reads PDF, CSV, Excel and photos; email auto-sync |
| Needs your bank login | No logins: you type everything | Never asks for bank or broker logins |
| Family and shared ownership | Share the file; everyone sees every cell | Family members and shared ownership in one login; no multi-login household yet |
| Advisor access | Share the file with your advisor | View-only by default, for 1 to 12 months |
| Nominees and passing it on to family | Only if someone knows the file exists and can open it | Nominees and inactivity checks; will builder for India and Singapore |
| Ask an AI about your portfolio | Paste it into an AI chat yourself | Astra chat, or connect your own AI (Claude, ChatGPT) |
You enjoy building your own formulas and want every cell under your control.
You hold a handful of things that rarely change, so typing them in takes minutes.
You need a calculation no app offers, and you are happy to keep it up to date.
For a few accounts in one currency, yes. It gets slow when you hold funds, shares and deposits in several countries: every price, exchange rate and statement has to be typed in or kept alive with formulas.
Yes. Upload the sheet as CSV or Excel, or paste it in, and the AI import turns each row into a holding. Nothing is saved until you check and confirm it.
No. Agni Folio never asks for bank or broker logins. You add holdings by hand, by importing statements, or by emailing statements to your own import address.
The free plan has no time limit and needs no card. Premium is US$2.99 a month (₹249 in India) and adds extras such as unlimited nominees and stronger AI for scanned statements.
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