None of us believers living today are 'saved' yet, we only have the PROMISE of being saved by Jesus at His future coming.
The 'are you saved' question belongs to those of men's doctrines who think once you believe on Jesus, then you have no more future sins to repent and ask Him forgiveness for, i.e., like the false OSAS movement of men.
Ephesians 2:8 (the OP subject) clearly says, "For by grace you
are saved (present tense) through faith, and this is not from yourselves, it is the gift of God. Those of us who believe in Christ's atoning sacrifice
are saved.
John 3:16-18, "For this is the way God loved the world: He gave his one and only Son, so that everyone who believes [present tense] in him will not perish but have eternal life. For God did not send his Son into the world to condemn the world, but that the world should be saved through him.
The one who believes [present tense] in him is not condemned. The one who does not believe has been condemned already, because he has not believed in the name of the one and only Son of God."
You are clearly distorting the doctrine of salvation, conflating it with repentance, to put forth false doctrine. The fact is that
all sins have been forgiven by Christ's sacrifice. If you don't believe that, you're not a Christian.