Frequently Asked Questions

A portfolio tracker is a tool that helps you monitor all your investments in one place. It tracks performance, calculates returns, and provides insights into your financial health. You need one to make informed investment decisions, track progress toward financial goals, and ensure proper diversification across asset classes.

Agni Folio supports tracking of stocks, ETFs, mutual funds, bonds, cryptocurrency, real estate, precious metals, commodities, savings accounts, CDs, and even liabilities like loans and mortgages. This comprehensive approach gives you a complete picture of your net worth.

Unlike other trackers that focus only on traditional investments, Agni Folio tracks ALL your assets including real estate, crypto, and alternative investments. It also includes a comprehensive FIRE calculator, supports multiple currencies, and offers advanced analytics - all completely free.

Yes, Agni Folio is completely free to use with no hidden fees, ads, or surprise paywalls. All current functionality including portfolio tracking, FIRE calculator, performance analytics, and reporting tools are available at no cost.

FIRE stands for Financial Independence, Retire Early. Our FIRE calculator determines how much money you need to retire based on the 4% withdrawal rule (25x your annual expenses). It considers your current savings, monthly contributions, expected returns, and calculates when you can achieve financial independence.

Your FIRE number is typically 25 times your annual expenses (based on the 4% rule). For example, if you spend $40,000 per year, your FIRE number would be $1,000,000. Our calculator automatically computes this based on your inputs and shows your progress toward this goal.

Lean FIRE involves retiring with minimal expenses (under $40K annually), Regular FIRE maintains your current lifestyle ($40K-$100K annually), and Fat FIRE allows for luxury retirement ($100K+ annually). Our calculator can model all three scenarios based on your lifestyle preferences.

Absolutely! Our FIRE calculator supports multiple currencies and can be adjusted for different countries' cost of living, tax situations, and withdrawal rates. The principles of FIRE apply globally, though specific numbers may vary by location.

After signing in, go to the Portfolio section and click 'Add Investment'. Enter the investment details including type, amount, purchase date, and current value. You can also set up automatic updates for supported assets or manually update values as needed.

Yes, for publicly traded stocks and ETFs, Agni Folio automatically fetches current market prices. For private investments like real estate or alternative assets, you'll need to manually update values or set estimated appreciation rates.

Agni Folio supports 17 major global currencies with daily-updated exchange rates. You can set your base currency in settings, and all investments will be converted for unified reporting. This is perfect for international investors with assets in multiple countries.

Yes, we use bank-level security with 256-bit SSL encryption, secure Google OAuth authentication, and never store sensitive account credentials. Your data is encrypted both in transit and at rest, and we never sell or share your personal financial information.

Most experts recommend rebalancing quarterly or when any asset class deviates more than 5% from your target allocation. Agni Folio shows your current allocation vs. targets and can alert you when rebalancing is needed.

A common starting allocation is 80% stocks (60% domestic, 20% international) and 20% bonds, adjusting based on age and risk tolerance. Younger investors can handle more risk, while those closer to retirement should be more conservative. Our analytics help you find the right balance.

Your primary residence can be tracked for net worth calculation, but it shouldn't be considered part of your investment portfolio since it's not generating income. However, rental properties and REITs should definitely be included as they're income-generating investments.

Add your crypto holdings just like any other investment, specifying the type (Bitcoin, Ethereum, etc.), quantity, and purchase price. Agni Folio will track current values and calculate returns. Remember that crypto is highly volatile and should typically represent a small portion of your portfolio.

The diversification score (0-100) measures how well your investments are spread across different asset types, geographic regions, and currencies. A higher score indicates better diversification, which can reduce risk. Aim for a score above 70 for good diversification.

We calculate both simple average returns and weighted average returns. The weighted return accounts for the size of each investment relative to your total portfolio, giving you a more accurate picture of overall performance than simple averages.

Gross returns don't account for fees, taxes, or inflation, while net returns do. Our calculator can show both, helping you understand the true impact of costs on your investment performance over time.

The financial health score (0-100) combines multiple factors: diversification, debt-to-asset ratio, return performance, and cash flow. Scores above 80 indicate excellent financial health, 60-80 is good, 40-60 is fair, and below 40 needs improvement.

For manual entries, you need to update values yourself. For automatic updates, ensure the ticker symbol is correct and the market is open. Some investments (like mutual funds) only update once daily after market close. International stocks may have delayed updates.

Currently, you'll need to manually enter your investments. However, you can export data from most other trackers as CSV files to make the transfer easier. We're working on direct import features for popular platforms.

In the Portfolio section, click on any investment to view details, then use the edit or delete buttons. Be careful when deleting as this action cannot be undone. Editing allows you to update quantities, values, or other details.

Set reminders to review manual investments monthly or quarterly. For real estate, you might update values annually or when you receive new appraisals. The key is consistency - regular updates provide more accurate tracking over time.

Yes! Create separate accounts for different investment types (401k, IRA, Roth IRA, taxable accounts, etc.). This helps with tax planning and gives you a complete picture of your retirement vs. accessible savings.

Track your investments by account type (tax-deferred, tax-free, taxable) to plan withdrawal strategies. Our FIRE calculator can incorporate different tax scenarios to give you a more accurate retirement picture.

Currently, each account is individual. However, you can export reports and charts to share with advisors. We're working on sharing features that will allow controlled access to your portfolio data.

Yes! Agni Folio is fully responsive and works great on phones and tablets. You can check your portfolio, update investments, and use the FIRE calculator from anywhere. The mobile experience is optimized for quick updates and portfolio monitoring.

Unlike Personal Capital, Agni Folio's tracking and analysis features are genuinely free with no upsells. We also support more asset types (crypto, real estate, alternatives) and include a comprehensive FIRE calculator. Personal Capital focuses more on wealth management services, while we focus on tracking and analysis tools.

While spreadsheets offer flexibility, Agni Folio provides automatic calculations, real-time updates, visual charts, and mobile access without the complexity of building formulas. You also get advanced analytics and FIRE planning tools that would take hours to build in a spreadsheet.

Broker platforms only show investments held with them. Agni Folio consolidates ALL your investments across multiple brokers, plus non-traditional assets like real estate and crypto, giving you a complete financial picture that no single broker can provide.