Your money is scattered across PDFs.
Four banks. Two MF platforms. Three past EPFOs. A CIBIL report in a WhatsApp chat. A Form 16 on the work laptop. A ULIP whose maturity nobody remembers. None of these talk to each other.
The promise of a household balance sheet is just that: one place where all of it adds up. Most apps deliver this by asking you to hand over the credentials and let them screen-scrape. Sajag delivers it by parsing the PDFs you already have, on your laptop, with regex.
Specifically, what Sajag reads.
Each parser is deterministic Python — no LLM in the parsing path, so the same PDF always produces the same numbers. The full parsed JSON is preserved per upload as a safety net (RawDocument table) so you can always go back and check what Sajag thought your CAS said. Eight of these have step-by-step download guides at /guides; the 9th (generic policy doc) is a catch-all for the long tail of one-off Indian policy formats.
CAS
CAMS · KFintech · NSDLEvery mutual-fund folio across every platform (Groww, Zerodha, Kuvera, ICICIdirect, etc.), plus equity demat holdings. One file, your full MF + stocks universe.
Bureau
CIBIL · Experian · CRIF · EquifaxEvery loan, every credit card, balances, EMIs, sanction dates, current status, and your credit score. Bureau is the single best truth-source for liabilities.
Bank statement
HDFC · SBI · ICICI · Axis · Kotak · YesTransaction-level cash flow. Salary credit detection, EMI debit tracking, and category-wise expense breakdown. 12 months ideal.
EPFO passbook
epfindia.gov.inMember balance, employer + employee contributions, interest credits, UAN identity. Treated as a debt-class asset in net worth.
NPS statement
Protean CRA · KFin CRATier 1 + Tier 2 corpus, scheme-wise NAV, PRAN identity. Counts toward retirement corpus, with the right tax treatment at withdrawal.
Form 16
Annual TDS certificate from employerGross salary, perquisites, deductions claimed. Used to reconcile take-home, suggest old-vs-new regime, and validate 80C/80D claims.
Form 26AS
incometax.gov.inAll TDS deducted across employers, banks, and contractors. Cross-checked against Form 16; flags mismatched TDS that costs refunds.
Insurance policy
Term · Health · ULIP · EndowmentSum assured, premium, frequency, policy term, classification. Feeds the HLV gap and the IRR verdict (surrender / paid-up / continue).
Generic policy doc
Anything else (LIC bond, traditional plan)One-line plain-English summary plus an editable structured row. Fallback for the long tail of unique Indian policy formats.
From nine inputs to one balance sheet.
Once parsed, the rows go through cross-checks. Joint home loans appearing in both spouses’ bureaus are deduplicated by account number. Property equity is apportioned by your ownership % multiplied by the linked loan’s share so two co-owners can’t claim 200% of an asset.
EPF balances from three past employers fold into one EPF row under your UAN. Form 16 and Form 26AS are reconciled against each other; mismatches surface as findings, not silent assumptions.
The output: one net-worth number that survives a CA’s review, with a verifiable signature you can share without exposing the underlying PDFs.
One license. One household. Every member.
Spouse, parents living with you, dependent children — they’re all rows in the same database. Each member has their own PAN, DOB, and credentials (used only locally to unlock their own PDFs). The dashboard switches between family-aggregate, individual, or any-pair views with a single click.
One license covers the whole household. Parents in a separate home, adult siblings with their own families — that’s a second license, purchased independently at whatever Sajag is priced at the time. If you refer that buyer, your purchase is eligible for the refer-and-earn 75% back.