Accounts

An account is a container for related investments — for example, your Zerodha demat, your Interactive Brokers account, your HDFC fixed deposits, or your Binance crypto exchange. Every investment in Agni Folio belongs to exactly one account, which acts as the organizing layer for your portfolio.

Why accounts matter

Real-world investors don’t have a single pool of money — they have brokers, banks, exchanges, and asset custodians spread across institutions and countries. Agni Folio mirrors that reality so your tracker matches your actual financial life.

Most users end up with 3–8 accounts. Power users with cross-border investments can easily have 15+.

Account types

Type	Use for	Common examples
Brokerage	Stocks, ETFs, mutual funds at a single broker	Zerodha, Groww, Interactive Brokers, Robinhood, Schwab
Bank	Fixed deposits, savings, recurring deposits	HDFC, ICICI, Chase, HSBC
Crypto Exchange	Cryptocurrencies at a centralized exchange	Binance, Coinbase, CoinDCX, Kraken
Crypto Wallet	Self-custody crypto holdings	MetaMask, Ledger, Trezor
Real Estate	Physical property holdings	Bangalore flat, London buy-to-let
Insurance Provider	Life, health, vehicle insurance	LIC, Aviva, Bupa
Retirement	PPF, EPF, 401(k), IRA, NPS	India NPS, US Vanguard 401(k)
Other	Anything that doesn’t fit above	Private equity, art, precious metals

The type is mostly a label — it affects which asset types you can add (e.g., a Bank account doesn’t suggest stocks). All accounts contribute to your net-worth view regardless of type.

Base currency per account

Each account has a base currency set at creation time. This is the currency the account naturally operates in:

• Zerodha demat → INR
• Interactive Brokers UK → GBP
• Coinbase US → USD
• Binance International → USDT or USD

Holdings inside the account can be in any currency (e.g., USD-denominated stocks in an INR brokerage account), but the account itself has a “home” currency for grouping totals.

Note

Your display currency (set globally in Settings) is what you see across the dashboard. Agni Folio converts every account’s holdings to your display currency using real-time FX rates. The base currency setting is for grouping and reporting, not display.

Creating an account

From the Accounts page:

1. Click Add Account
2. Pick a type from the dropdown
3. Give it a name (e.g., “Zerodha Demat — Personal” or “Joint NRO HDFC”)
4. Pick base currency
5. (Optional) Add notes — account number, branch, login URL, etc.
6. Save

The account is created empty. Add your first investment from the account’s detail page.

Editing and deleting

Open any account from the Accounts page to edit metadata (name, notes, base currency) or delete the account entirely.

Caution

Deleting an account also deletes all entries and transactions within it. There is no soft-delete or undo. If you want to keep historical data, rename the account to [ARCHIVED] Old Name and stop adding new entries instead.

Organization tips

A few patterns that work well for multi-account users:

• Prefix by holder name — “Joint HDFC”, “Ami’s Zerodha”, “Spouse’s NPS” makes ownership clear in family setups
• Suffix by status — [ACTIVE] / [DORMANT] / [ARCHIVED] for accounts you’ve closed but want history on
• Cluster by jurisdiction — name accounts by country code (e.g., “IN — HDFC FD”, “US — Schwab Brokerage”) for cross-border investors
• One crypto exchange per account — even if you trade across 5 exchanges, separate accounts keep tax reporting cleaner

What’s next

• Tracking Investments — add your first holdings into the accounts you just created
• Multi-Currency Support — understand how Agni Folio handles your cross-currency portfolio
• Crew & Family Sharing — share account visibility with family members