Frequently Asked Questions

Agni Folio is a free, web-based wealth operating system for international investors — spanning living money management and wealth legacy planning in one place. On the living side, it consolidates stocks, ETFs, mutual funds, crypto, real estate, fixed deposits, insurance, loans, and more into one multi-currency net-worth dashboard, with Astra AI portfolio chat, Connect Your AI (MCP), AI statement import, FIRE planning, and Money Crew accountability groups. On the legacy side, nominees, inactivity monitoring, secure legacy transfer, and death-readiness preparation are first-class pillars — so the people you trust can receive portfolio context when it matters. It is not a brokerage or bank: your assets stay at your existing institutions.

Anyone who wants a single picture of their money across accounts, countries, and currencies — and a plan for what happens to that picture if they become inactive. That includes international investors, people building toward FIRE, and anyone who wants estate-readiness (nominees, secure legacy transfer, death readiness) as part of the same system rather than a separate tool later. If you are new to personal finance, the free Personal Finance 101 course at agnifolio.com/learn teaches net worth, AI safety, and connecting your own AI to a portfolio without requiring an account.

Stocks and ETFs across major global markets, mutual funds, bonds, cryptocurrency, real estate, precious metals, fixed deposits / CDs, savings, insurance policies, and liabilities such as loans and mortgages. The goal is a complete net-worth view, not just a brokerage snapshot.

Most portfolio apps stop at listed securities — and almost none help with what happens to that data if you become inactive. Agni Folio is built for multi-asset, multi-currency net worth plus wealth legacy planning: nominees, inactivity monitoring, and secure transfer of portfolio context. Living-side differentiators include Astra AI chat (with in-chat statement import and confirm-before-execute), Connect Your AI via MCP so Claude, ChatGPT, Cursor, or other MCP clients can use your portfolio tools with scoped OAuth access, and Money Crew for private investing accountability. Core tracking and legacy with one nominee stay free.

Yes. The free plan covers unlimited holdings across asset classes, Astra AI, Connect Your AI (MCP), AI statement and transaction import, reminders, FIRE tools, Money Crew, and wealth legacy planning with one nominee. Premium unlocks more accurate import from messy PDFs, scans, and photos; priority AI access; unlimited nominees; and priority support. Pricing is currency-aware — USD by default globally, with other supported currencies at checkout when available. See agnifolio.com/pricing for current plans.

Yes. Personal Finance 101 at agnifolio.com/learn is a free 15-lesson public course — no signup required to read. It goes from net-worth basics through multi-currency thinking, using AI safely with money, talking to your own portfolio data, and connecting Claude or ChatGPT to Agni Folio via MCP.

Astra is Agni Folio’s in-app portfolio agent. You can ask questions about your holdings, run scenario-style analysis, and paste a broker statement (PDF, CSV, or text) into chat. Astra extracts buy/sell/dividend rows and proposes them as a confirmable card — mutating actions never run without your explicit confirmation, and tool use is audited.

Yes. Agni Folio exposes an MCP (Model Context Protocol) server so compatible clients — including Claude Desktop, ChatGPT (where connectors are available), Cursor, Cline, and similar tools — can call the same portfolio tools Astra uses. Access is per-user via OAuth 2.1 with scopes (read and optional write), is revocable from Settings → Connected AI, and every external call is logged. Setup guides live under Docs → Connect Your AI and in the Learn course modules on MCP.

Treat AI like a sharp tool: useful for explanation, restructuring statements, and decision framing — not for passwords, full account numbers, national IDs, withdrawal-capable API keys, crypto seed phrases, or other people’s private details. Prefer a permissioned connection (Astra or MCP with scoped, revocable access and confirm-before-write) over pasting sensitive documents into a generic chat. The Learn lessons “What AI can and cannot do” and “Keep your financial data safe” cover the practical rules.

Agni Folio supports 17+ major currencies with daily-updated exchange rates. You choose a base/display currency; holding and account currencies convert server-side so one dashboard reflects global net worth. That matters for cross-border investors who need a single picture without maintaining seven spreadsheets.

Sign in, open Portfolio, and add holdings manually, or use AI statement import (dedicated import flow or paste into Astra chat). Review extracted transactions before confirming. Public stocks and ETFs can refresh market prices automatically; private assets like real estate are updated manually or with your own estimates.

For publicly traded stocks and ETFs, current market prices are fetched automatically when symbols are set correctly. Manual and private assets stay under your control.

We use bank-grade 256-bit encryption, secure authentication (including Google Sign-In), and a privacy-first design. We do not sell your personal financial data. We do not store broker login passwords for trading. You keep custody of assets at your existing institutions.

Money Crew is a private investing accountability group for partners, family, or close friends. You can share FIRE-oriented progress and run structured check-ins with deliberately limited visibility (aggregates, not a full trade tape). It is designed for support and consistency — not public social-network flexing.

Legacy transfer lets you designate nominees and prepare what they should receive if you become inactive or on a schedule you choose — portfolio context, insurance, and related account information — with inactivity monitoring and escalation. Free plans include one nominee; Premium supports unlimited nominees. Details are in Docs → Wealth Legacy Planning.

FIRE means Financial Independence, Retire Early. Agni Folio’s FIRE tools help you model savings rate, withdrawal assumptions (commonly framed around the 4% / ~25× annual expenses rule), and timeline progress — including lean, regular, fat, and coast-style variants on our public calculators. Numbers are educational planning aids, not personalized financial advice; adjust for your currency, location, and tax situation.

A single broker only shows what it holds. A spreadsheet can do anything, but you maintain formulas, FX, mobile access, and any estate handoff yourself. Agni Folio consolidates multi-broker and non-broker assets, converts currencies, adds AI import and chat, FIRE tools, wealth legacy transfer for nominees, and MCP access — without moving your money.

No. Agni Folio does not execute trades, hold custody, or provide regulated financial advice. It tracks, analyzes, teaches, helps you organize, and prepares legacy handoff — decisions and brokerage execution stay with you and your licensed advisors where applicable.

Yes. Agni Folio is a responsive web app that works on phones and tablets for checking net worth, updating holdings, chatting with Astra, and using FIRE tools from anywhere.

Create a free account, set your preferred display currency, add your largest accounts first (or import a statement), then optionally connect Astra or an external AI via MCP. When you are ready, add a nominee and review wealth legacy settings so handoff is prepared — not left for later. If you want guided learning first, start at agnifolio.com/learn; for product how-tos, see agnifolio.com/docs.