Why Sajag
Most Indian finance apps sync your bank.
Sajag doesn’t.
We’re a desktop app for Indian households who want their financial picture computed correctly — without their data leaving their machine. If that constraint matters to you, you might be in the right place.
Who Sajag is for — and who it isn’t
Right fit
- The spreadsheet user tired of reconciling manually
- The FIRE-aspirant doing their own tax math
- The privacy-first household refusing cloud finance apps
- Anyone willing to upload a monthly PDF
Wrong fit (be honest)
- You want bank auto-sync. We don’t do that.
- You want mobile-first. We’re desktop-first today.
- You want an advisor. We compute; we don’t advise.
- Household income below ~₹10L. The math has nothing useful to say.
How we’re different
These are real Indian products. Each solves a different job. The table below names what each does well and where Sajag fits in.
| Product | What they do | Where Sajag’s different |
|---|---|---|
| Jupiter, Fi (neobanks) | Account Aggregator-driven balance + insights. Freemium app on a free bank account. | We don't route your data through anyone. PDFs you already get go in; numbers come out. |
| INDmoney | Net-worth aggregator + US-stock brokerage. AA-backed sync. | We don't broker, advise, or upsell. We compute. No conflict of interest. |
| Cleartax, Quicko, TaxBuddy | Annual ITR filing services, paid per year. | We compute what you owe + what you can save. Filing stays with you (or your CA). |
| Cube Wealth | Hand-held investment advisory + curated MF picks. | We don't pick funds for you. We show what you have and what it's doing. |
| Spreadsheets (Excel, Sheets) | Maximum control, infinite flexibility. 4+ hours / month to maintain. | Deterministic parsing of the same PDFs you'd reconcile by hand. 10 minutes / month. |
| Doing nothing | The most popular choice. Costs nothing on day 1; costs everything on day N. | Brutal-honest numbers in 10 minutes. Most buyers find a leak worth more than the price within the first session. |
All competitor names belong to their respective owners. We’re describing our own positioning, not theirs.
Five things that make us hard to copy
- 1
Local-first architecture
No Account Aggregator, no telemetry, no cloud copy of your data. This isn't a feature we layered on — it's how the product is built. Cannot be retrofitted onto a cloud-based competitor without rebuilding from scratch.
- 2
Indian-tax-engine depth
Slab math + 87A rebate + cess + surcharge + LTCG ₹1.25L exemption + HRA + 80CCD(2) at 14% + 80EE — about 3,000 lines of math we validate against ClearTax every FY. Replicating this is a six-month effort.
- 3
Parser library breadth
Nine PDF document types × multiple format generations each = thousands of test fixtures. The CAS, bureau, and bank parsers in particular have years of edge-case fixes baked in.
- 4
Brand voice + brutal-honest framing
No cheerleading. No 'great job!' filler. Bad news first. This is positioning, not features — easy to copy on paper, hard to actually execute.
- 5
One-time pricing
Every subscription PFM burns LTV every month they keep you. Sajag's economics don't depend on retention, so we can afford to be unsubscribe-friendly. We already got paid.
See it for yourself
Two ways in: try the free Tax Twin (3 minutes, no install) or buy the desktop app (one-time payment, your data stays on your machine).