Frequently asked.

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.

# subscription

Refer-and-earn unlocks after we hit 100 paid supporters and the price moves to ₹4999. Until then, Sajag is ₹99 — there's no meaningful 75% to give back. Once Phase B kicks in, sharing Sajag across three channels (WhatsApp, LinkedIn, Twitter) earns ₹1,250 back per verified post, up to ₹3,749 — 75% of what you paid. Manual review within 7 working days; refund via UPI to the same account that paid. Full mechanics on the refer-and-earn page.

# refer-and-earn

If Sajag doesn't open on your machine within 24 hours of payment, full refund — email connect@sajag.club and we'll fix it personally over a screen-share or send the money back. Refunds go via Razorpay back to your original payment method (typically 5–7 working days). Beyond install issues, payment is non-refundable, because the installer + passkey are irrevocable once shared.

# refund

Razorpay handles checkout — UPI, cards, netbanking, wallets. Server decides your price at order creation: ₹99 for the first 100 paid supporters, ₹4999 after. We never see your card or UPI PIN; Razorpay is PCI-DSS Level 1 certified. If Razorpay is briefly down, a direct-UPI fallback to the founder's account is exposed on /buy — same price, manual verification within 24 hours.

# payment-methods

Nowhere. Sajag runs entirely on your machine in a single SQLite file (and uploaded PDFs). Go offline — the app keeps working.

# data-location

AMFI publishes a public daily NAV file at amfiindia.com. Sajag downloads it once a day to refresh mutual-fund prices. No data is sent to AMFI — only requested. Disable the fetch in settings; the rest of the app still works, your NAVs just freeze on the last refresh.

# amfi-fetch

Only if they know your passphrase. The .sajag backup is encrypted with AES-256-GCM using a key derived from your passphrase, and the dashboard requires the passphrase to unlock per session. The raw SQLite file on disk is OS-permissioned to your user account.

# screen-share

Because that means your data flows through a regulated third party, however briefly. Sajag's promise is that your data never leaves your machine. The trade-off: you upload statements monthly. We think the privacy is worth the friction.

# aa-integration

Your email is stored briefly to do three things: match your UPI payment, send your install link, and process the 75% refer-and-earn refund if you choose to share Sajag. None of your financial data ever touches our servers — only your email and the order itself. Want it deleted after your installer arrives? Email connect@sajag.club and we'll wipe it within 24 hours.

# buy-flow-data

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.

# forgot-passphrase

Email connect@sajag.club from the same email you bought with. The founder issues a fresh passkey + installer within 24 hours. No questions, no fees. Your old passkey is revoked so the replacement is the only one that activates Sajag.

# lost-passkey

Yes. Export your encrypted .sajag backup from the old machine, install Sajag on the new one, import the backup, enter the same passphrase. Everything — household data, uploaded PDFs, calculator preferences — comes across. No re-uploads needed.

# change-machine

Your .sajag encrypted backup file stays on your disk. Re-install Sajag on the same or a different machine, import the backup, and continue. The backup format is documented in the repo.

# uninstall-reinstall

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.

# windows

Yes. Once installed, Sajag runs entirely on your machine — your dashboard, calculations, parsing, statements. The only outbound traffic is the optional AMFI NAV fetch (which you can disable) and an optional one-time LLM summary for a single insurance policy (also opt-in). Go offline and Sajag still works.

# offline

On the roadmap, no committed ETA yet. We're sketching a companion mobile app that respects the same local-first promise: read-only views derived from your encrypted .sajag backup, sync happening on your own network never through our servers. Today, the desktop app on macOS / Windows / Linux is the full product. We'll announce the mobile build to existing buyers first.

# mobile

One license = one household. Spouses and dependent children share the install. Parents living separately or adult siblings in their own homes — that's a second license at the same launch price (we honour the launch rate for the second purchase if they reference yours).

# household-share

Add them as 'dependent' family members. They show up in the family-aggregate view but don't have their own login. Their accounts (minor MF folios, scholarship FDs, whatever exists on a PAN issued to a minor) are tracked under the household.

# kids-data

PDF statement parsers ship for HDFC, SBI, ICICI, Axis, Kotak, and Yes Bank. For other banks, you can manually add transaction summaries — same accuracy, more typing. We add new bank parsers based on customer demand; email us your bank.

# which-banks

Sajag parses CIBIL (TransUnion CIBIL), Experian, CRIF, and Equifax — the four bureaus that operate in India. You can upload from more than one — Sajag de-duplicates loans by account number, so a home loan reported in both CIBIL and Experian shows up once in your liabilities. Each upload replaces the previous report from the SAME bureau.

# which-bureaus

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.

# competitors

Generate a Sajag Statement: a single A4 PDF with a SHA-256 signature. Email it. The signature is verifiable against the same DB, so anyone receiving the PDF can confirm it wasn't edited.

# share-with-ca

Yes — but the reminder lives in YOUR calendar app, not in Sajag. On the Liabilities page, click the bell icon on any loan, pick a lead time (1/2/3/7/10 days or custom), and download a one-click .ics file. Import it into Apple Calendar, Google Calendar, or Outlook. Sajag sees nothing; that's the point.

# loan-reminders

Yes. Click the globe icon in the dashboard header to switch display currency. Eight currencies supported: INR, USD, EUR, GBP, CHF, SGD, CAD, AUD. The DB always stores in INR; conversion happens display-side using ECB rates fetched from frankfurter.dev (a free, public, ad-free FX API). Switch back to INR any time.

# currency-display

A calendar heatmap showing every day of the year, coloured by spend intensity. Renders only when bank statements are uploaded — it aggregates debit transactions by day-of-month so you can spot the days you over-spent. The brutal version of 'mindless lifestyle creep'.

# daily-spend-heatmap

Because Sajag is a club. Every paying member joins our private Slack — one weekly piece of practical money advice from the founder, one quarterly fireside chat with a marquee Indian investor, and a directory of fellow members thinking through their FIRE math. The .club domain isn't marketing — it's the architecture.

# the-club

Pay for Sajag → on the confirmation page you get a Slack invite link (also emailed to you). Click → enter the email you bought with → you're in. No screening, no waitlist. Inactive accounts are quietly archived after 12 months of no logins, so the directory stays meaningful.

# slack-invite

60-minute Zoom call. The investor (PMS managers, founders of well-known funds, retired CFOs) shares their personal money playbook — not their fund's pitch — followed by 30 minutes of live Q&A from members. Recorded and posted to Slack so you can watch later if you missed it. No upsell, no AUM ask. Just listening to people who think about wealth deeply.

# investor-sessions

You have the installer. You have the SQLite database. You have your encrypted .sajag backup. The product keeps running on your machine forever — no license server to phone home to, no dependency on us being alive. The 3-year update window is a promise of new features, not a kill-switch.

# vendor-abandonment