Upload your financial PDFs. Sajag scans them on your own machine and shows hidden money leaks, debt risks, tax gaps, emergency fund gaps and your FIRE gap.
"Three banks. Two MFs. One LIC policy you can't remember the maturity of. EPF you haven't checked in 3 years."
"Form 16 is on the work laptop. CAS is buried in email. CIBIL came as a WhatsApp PDF. Your net worth is theoretical."
"Saving 'about 20%' of income. You think."
"Term insurance? Yes. Adequate? No idea."
"Every FIRE calculator on the internet wants your data on someone else's server."
"Bought ULIPs your dad recommended in 2014. No idea what they're worth today, or how to exit them."
"EMI plus EMI plus EMI. Don't ask which one to clear first — you genuinely don't know."
"Tax saving = whatever the CA tells you works. You trust him. You think you trust him."
Sajag is the financial sentinel a salaried Indian family actually wants — not the one a SaaS company wants to sell.
CAS, EPFO, bureau report, Form 16, bank PDFs. Drop them in — Sajag reads everything on your Mac in seconds. Your financial data stays on your Mac.
Spouse, parents, kids. Each person’s investments, loans and goals roll up into one household view — no spreadsheet juggling, no forwarded screenshots.
Duplicate insurance, idle FDs, missed 80D deductions, EMIs eating your SIPs. Sajag surfaces the leaks the average advisor never finds — because they’ve never seen all your statements at once.
Money leaks found
Duplicate term insurance
Two HDFC + LIC overlap
Idle savings balance
₹4L sitting at 3%
Missed 80D deduction
Parents' health premiums
EMI eating SIP capacity
Personal loan @ 14.5%
Tax-inefficient FD
Move to debt MF
Total recoverable
Year 1, before compounding
₹0
Your CA sees Form 16. Your broker sees mutual funds. Your bank sees deposits. Nobody sees the whole picture — except you, the moment Sajag pulls it all together on your Mac.
Open the app and read four sentences. That’s the day’s state of your money — written, not graphed.
The Brief surfaces what changed and what to do, in plain English. No vanity dashboards. No hopeful rounding. The vigilant friend you’d want, not the one a SaaS sells.
One action per month. Three months pays for ten years of Sajag.
Three lines from your bank statement. ₹17,630 a year at stake. Found in 30 seconds, on your machine, without ever uploading anything.
You paid the minimum due last month. The rest revolves at 36% APR.
You're paying 36%+ interest on a revolving credit-card balance of ₹48,972. That's ₹17,630 a year walking out the door in interest alone — almost a full month's expenses.
Real layout. Numbers are illustrative — every figure recomputes on YOUR data, on YOUR machine.
These aren’t aspirational headlines. Each widget below shows the exact mechanic Sajag uses on your statements — and the rupee value of the find. Run them in your head with your own numbers; the math is unforgiving.
Tax · Form 26AS
Form 16 vs Form 26AS reconciliation
Form 16
From employer
Form 26AS
From IT dept
Sajag finding: ₹17,500 of TDS deposited under your PAN but missing from your filed ITR.
+₹17,500
(typical) — claim by filing a revised ITR before Dec 31
₹5,000 – ₹50,000 / year
Insurance · ULIP
Premium paid vs surrender value
Sajag finding: You’ve already lost ₹1,24,000 of premium. Each future year you continue, you lose another ₹48,000. Stop is the math.
+₹48,000
(typical) — annual premium you stop paying immediately
₹30,000 – ₹2,00,000 / year
Debt · CC revolve
36% APR card vs 12% SIP, side by side
Credit card revolve
HDFC, 36% APR
₹2,10,000
−36%
Equity SIP
Expected return
₹15,000 / mo
+12%
Sajag finding: Net drag = 36% − 12% = 24% × ₹2,10,000 = ₹50,400/yr. Pause SIP, kill the card in 5 months, then restart. You’re ahead in month 6.
+₹50,400
(typical) — annual loss while both run in parallel
₹20,000 – ₹1,50,000 / year
Bank · Auto-debits
Recurring debits scanned + flagged stale
Sajag finding: 4 of 6 auto-debits haven’t been used in 60+ days. Total drag: ₹2,671/month = ₹32,052/yr. Cancel before Sunday.
+₹34,000
(typical) — annual saving from cancelling stale auto-debits
₹15,000 – ₹60,000 / year
Investment · MF expense
Same fund. Direct vs Regular AMC fee.
Regular plan
What most buyers hold
1.50%
expense ratio / yr
Direct plan
Same fund, no broker
0.45%
expense ratio / yr
Sajag finding: 1.05% expense delta on ₹15L = ₹15,750/yr. Switch is a two-click form on the AMC site.
+₹15,750
(typical) — annual drag on a ₹15L portfolio
₹5,000 – ₹50,000 / year
Goals · SIP shortfall
₹40L target vs your current SIP trajectory
Sajag finding: ₹2L short with 12 yrs to go. Bump SIP by ₹800/mo OR delay goal 4 months. Decide now; compounding doesn’t wait.
+₹2,00,000
(typical) — corpus shortfall avoided by re-sizing now
₹50,000 – ₹5,00,000 / goal
The math, plainly
Run Sajag on your statements. In under ten minutes you have a list of leaks, each with a rupee number, sorted by what’s costing you the most. Tax leaks. Insurance leaks. Debt arbitrage. Forgotten cards, stale subscriptions, undersized goal SIPs. The math is brutal and built in.
Buy Sajag · ₹99 onceEMI due in three days. CAS hasn't been refreshed in four months. ITR window opens in 30 days. Sajag notices. You don't have to.
"I'm saving 20%" — not after that EMI you forgot. "I have insurance" — that's a ULIP. Sajag finds the lie and quotes the number.
Your data lives in one SQLite file on your machine. The whole app works offline. When you need to share, you print a Sajag Statement with a verifiable hash.
Pay once. Use forever. Updates free for three years. No subscription. No upsell. Compared to one CA consultation, one bad ULIP decision, or one annual SaaS budgeting tool — Sajag pays for itself in week one.
See full pricing →Most messages start the same way: “I had no idea this was happening to my money.” Some are dramatic. Some are quiet. Six scenarios drawn from buyer-research interviews — names and faces are illustrative, the patterns are real.
Anjali D.
Engineering manager · Pune · 34
₹22,300 my CA never noticed.
“On day three the brief said: Form 26AS shows ₹22,300 of TDS your Form 16 didn't. My CA had only ever seen Form 16. I filed a revised ITR; refund hit in six weeks. Sajag paid for itself five times that day.”
one-time TDS recovery
Vikram T.
Senior sales, FMCG · Bengaluru · 38
A credit card secretly bleeding ₹73K a year.
“Sajag's CIBIL parser pulled up a Citibank card I'd genuinely forgotten was open. ₹2.4L of revolving balance compounding at 36% APR — auto-debiting since 2019 from a savings account I rarely touched. I'd been bleeding ₹73,000 a year in interest for FIVE years and had no idea. Cleared the balance in two months. The Sajag price felt like a rounding error.”
interest on a hidden revolving balance
Rahul K.
Lead architect · Mumbai · 41
Sundays back. EMIs handled.
“Three home-loan EMIs across SBI and ICICI. For two years my Sunday morning was banking-app-hopping to make sure each account had enough for Monday's auto-debit. Sajag's EMI calendar shows the next 30 days at a glance. I top up the right account once a week. Sundays are mine again.”
one weekly action. Zero late-fee anxiety.
Priya M.
Senior PM, fintech · Bengaluru · 32
Our whole household, in one view.
“My husband, my parents, and I — all four of us live inside one Sajag household. I finally see our combined net worth honestly. Sajag flagged that our family health cover was ₹35L below what a Tier-1 hospitalisation would cost. We bought a top-up that weekend. The peace of mind alone justifies the price.”
catastrophic health-cover gap, fixed
Meera N.
CA + CFA · Delhi · 36
I refuse cloud finance apps.
“Every Indian finance app wants me to upload Form 16, CIBIL, CAS — to their server. To then train models on. I'm a CA; I won't put my clients' shape into anyone's training corpus. Sajag is the first tool I'd recommend to my clients in eight years: it runs entirely on your Mac, the only outbound request is the daily AMFI NAV fetch, and you can watch it with Little Snitch.”
privacy without compromise
Rohit K.
Resident doctor · Mumbai · 38
₹84,000 a year. Stopped.
“Two ULIPs from 2014 I'd genuinely forgotten existed. Sajag's insurance parser pulled the policies, computed surrender value, and showed it was already below what I'd cumulatively paid. Stopped both that evening. ₹84,000 a year is no longer disappearing into a black box I never even understood.”
stopped ULIP premium drain
No. One-time payment. ₹99 for the first 100 paid supporters, then ₹4999 after that. 3 years of free feature updates either way. We have no recurring billing because we have no servers to fund.
Nowhere. Sajag runs entirely on your machine in a single SQLite file (and uploaded PDFs). Go offline — the app keeps working.
Enter the PAN of any family member already in your Sajag DB. Reset works offline, on your machine. No email reset, no password recovery flow on a server.
Sajag is Mac-only at launch (macOS 12+). Windows support is in active development — email connect@sajag.club to join the Windows waitlist and we'll notify you the day it ships. If you already paid and are on Windows, email us for a same-day refund.
Most trackers sync your bank or MF data to their servers — that's how they work, and often how they monetise. Sajag does none of that. You upload PDFs once a month, the data lives in a SQLite file on your laptop, and we have no business model that requires knowing anything about you. Slower to set up, but your data stays yours forever.
I’m Yash Gupta — a salaried guy in my 30s. Like you, my money is scattered across 7 banks, 2 brokers, EPFO, NPS, and a stack of insurance documents I can’t summarise.
Every FIRE / budgeting / wealth tool I tried demanded I hand over those statements to their server. I refused. So I built Sajag for myself — local-first, brutally honest, no cloud — and I’m selling it to the few hundred families who feel the same way.
"The only software I trust with my finances is software I can read the source of, and which never sees a server."
Email me directly: connect@sajag.club — or book a call.
One financial truth, on your Mac. Forever yours. ₹99 once — for the first 100 supporters. 95 spots left.
Get Sajag — ₹99