Accounts

An account is an entity account: create one for each entity that owns investments — yourself, your spouse, a joint ownership, a dependent, your parents, a family business. Every holding in Agni Folio belongs to exactly one account, so accounts are the layer that answers whose money is this? and lets you slice your net worth by owner.

Self · Wife · Joint – Home · Son (minor) · Dad · Family Business

Each entity’s holdings go into its container regardless of which institutions hold them — your own Zerodha stocks, crypto and bank FDs all sit under Self; your wife’s mutual funds and her PPF sit under Wife. This is what makes household views, Crew sharing and the nominee record work: a nominee needs to see one person’s estate, not a list of brokers.

Sub-dividing an entity by institution

When one entity has money in several places and you want statement-level detail, split that entity into one account per institution. Keep the entity in the name so it still groups by owner:

Self – Zerodha · Self – Coinbase · Self – HDFC FDs · Wife · Parents

Most households end up with this hybrid: one account per family member, and a few institution-level accounts for the person whose detail matters most (usually you).

Tip

There is no wrong split. Accounts are labels on a bucket — rename them any time, move holdings between them — so start with one account per person and refine as your portfolio grows.

What an account is (and isn’t)

An account has two fields:

Field	What it’s for
Name	Who (and optionally where) — “Self”, “Wife”, “Dad – SBI FDs”
Relationship	The ownership type: Personal, Joint, Business, Family, or Other

Everything else — asset type, currency, price source — lives on the individual holding, not the account. A single account can hold Indian stocks in INR, a US ETF in USD and a Singapore FD in SGD side by side; Agni Folio converts each holding to your display currency (set in Settings) for the totals.

The Relationship field powers the family views: filter the dashboard to Family or Joint to see that slice of your net worth, and it tells Wealth Legacy and Death Readiness whose assets are whose.

Creating an account

From the Accounts page:

1. Click Add Account
2. Name the entity — a person, an ownership, or a person + institution
3. Pick the relationship (Personal, Joint, Business, Family, Other)
4. Save

The account is created empty. Add the first holding from the account’s page, or import a statement and choose which account it lands in.

Editing and deleting

Open any account from the Accounts page to rename it or change its relationship, or to delete it.

Caution

Deleting an account also deletes every holding and transaction inside it. There is no undo. To keep history, rename it to [ARCHIVED] Old Name and stop adding to it instead.

Naming tips

• Entity first, always — Wife – Zerodha, Dad – SBI FDs sorts by owner and still shows the institution
• Suffix by status — [ACTIVE] / [DORMANT] / [ARCHIVED] for accounts you’ve closed but want history on
• Country code for cross-border money — Self – SG – DBS, Self – IN – HDFC groups by jurisdiction at a glance
• One crypto exchange per account — separate accounts keep exchange sync and tax reporting clean

What’s next

• Tracking Investments — add the first holdings into the accounts you just created
• Multi-Currency Support — how holdings in different currencies roll up
• Crew & Family Sharing — share account visibility with the family members whose money you track