About
Local-first, in one matrix.
We talk about local-first a lot. Here’s what it actually means for what you can and can’t do.
Once installed, Sajag computes every financial answer offline. Market data (NAVs, gold, FX) is a soft enhancement — the structural numbers don’t depend on it. A buyer on a 6-week sabbatical with no Wi-Fi can still upload PDFs, see their portfolio, plan a goal, compute their FIRE date, and back up their entire local state — without touching the internet.
Action × internet matrix
| Action | Internet? | When it fails |
|---|---|---|
| Open Sajag | No | — |
| View Net Worth / FIRE / Cash Flow / Tax pages | No | — |
| Upload any PDF (CAS / bureau / bank / EPFO / ...) | No | — |
| Edit a value, add a goal, add a family member | No | — |
| Export / restore .sajag backup | No | — |
| View trend charts (history) | No | — |
| Generate Sajag Statement (PDF) | No | — |
| License activation (first launch only) | Yes | Local HMAC check; works without network after activation |
| Daily mutual fund NAV refresh | Yes | Falls back to last-known NAV. UI shows 'Stale' pill. |
| Direct equity / ETF price refresh | Yes | Falls back to last CAS-reported value. Returns 'offline'. |
| Gold / silver price refresh | Yes | Falls back to last-known prices. |
| Foreign exchange rates (NRI buyers) | Yes | Falls back to cached FX rate. |
What we never do
- ×Account Aggregator integration. Even brief flow-through breaks the local-first promise.
- ×Telemetry on the desktop. We have no way to see how often you open Sajag, which pages you visit, or what you upload. By design.
- ×Cloud backup of your financial data. You export to your own Dropbox / iCloud / disk.
- ×Subscription pricing. One-time payment, three years of feature updates included.
- ×AI/LLM features in the shipped product. Calculators are rule-based and inspectable.
Who builds this
Yash Gupta, alone, in Bengaluru. Email me at connect@sajag.club if anything here makes you skeptical — I respond personally within 24 hours.