Artha Auto-Plan collects your financial details through a simple guided form and instantly generates a comprehensive financial plan — covering tax, retirement, insurance, loans, and more — as a professional Excel workbook and summary PDF.
Four simple steps to your complete financial plan
Enter your family, income, investments, insurance, loans and goals — section by section
Click Generate — Artha runs 20+ financial calculations in seconds
A unique reference number (e.g. AAP-F4C21A) is issued — save it to retrieve your plan anytime
Download your full Excel plan + PDF summary. Contact Meta Investment to act on the insights
Everything you need to know about Artha Auto-Plan financial planning
Artha Auto-Plan is a free online financial planning tool by Meta Investment. You fill a guided form covering your family, income, investments, insurance, loans, and goals — and the tool instantly generates a comprehensive financial plan as a PDF summary and Excel workbook, covering retirement corpus, monthly SIP targets, tax optimisation, insurance gap analysis, and more.
Yes, Artha Auto-Plan is completely free. Fill the form, generate your plan, and download the PDF and Excel report at no cost. For personalised advice, portfolio reviews, and ongoing wealth management, you can connect with a Meta Investment advisor.
Artha Auto-Plan estimates your required retirement corpus using your current age, target retirement age, life expectancy, current monthly expenses, and an inflation rate (default 6%). It applies a 4% safe withdrawal rate to arrive at the corpus needed on your retirement day, then projects your existing investments (EPF, PPF, NPS, mutual funds, stocks) to see how much gap remains, and calculates the monthly SIP required to close that gap assuming a 12% equity CAGR. Monte Carlo simulation stress-tests the plan across 1,000 market scenarios.
It depends on your goal, time horizon, and existing corpus. Artha Auto-Plan calculates goal-specific SIPs: for retirement it considers your total shortfall and years remaining; for children's education it factors in education inflation (default 10%); for other goals it uses a standard 12% equity return assumption. After generating your plan, the PDF summary shows a consolidated SIP recommendation broken down by goal.
The Old Tax Regime allows deductions under Sections 80C (up to ₹1.5L), 80D (health insurance premium), 80CCD (NPS), HRA, standard deduction, and others, but applies higher slab rates. The New Tax Regime (default from FY 2023-24) offers lower slab rates but disallows most exemptions. Artha Auto-Plan calculates your tax liability under both regimes and shows which saves you more money based on your actual income and deductions.
A common rule of thumb is 10–15× your annual income, but Artha Auto-Plan calculates your Human Life Value (HLV) — the present value of your future income — and compares it against your existing life insurance cover to show the gap. It also accounts for outstanding loans and dependent family members to give a more accurate insurance need.
NPS (National Pension System) is a government-regulated retirement savings scheme. Contributions to Tier 1 are locked until age 60, with an additional ₹50,000 deduction under Section 80CCD(1B) over and above the ₹1.5L 80C limit. At maturity, 60% can be withdrawn tax-free and 40% must be used to buy an annuity. Artha Auto-Plan projects your NPS corpus based on your current balance, monthly contribution, and expected CAGR (default 10.9%).
EPF (Employees' Provident Fund) is a mandatory savings scheme for salaried employees where both the employee and employer contribute 12% of basic salary. EPF earns a fixed rate declared by the government (currently 8.1% p.a.) and the entire corpus including interest is tax-free on withdrawal after 5 years of continuous service. NPS, in contrast, is market-linked and offers potentially higher returns but with more risk and an annuity requirement. Artha Auto-Plan handles both in your plan.
Artha Auto-Plan's Children's Education Goals section lets you enter your child's current age, the age they will start college, course duration, and today's annual cost. The tool inflates the cost at 10% p.a. (education inflation) to arrive at the future cost, deducts any existing corpus already set aside, and calculates the monthly SIP required. For example, a ₹10L/year course starting in 15 years would require roughly ₹41.7L per year in future value — approximately ₹5,600/month in SIP started today at 12% returns.
Yes. You can add all family members — spouse, children, parents — each with their own age, profession, and risk profile. Multiple earning members can each have their own salary, EPF, NPS, and tax calculations. Investment accounts like PPF, NPS, and EPF can be tagged to specific members. The plan consolidates everything into a single household financial view.
Projections are based on historical average returns (12% equity, 7% debt, 8.1% EPF, 7.1% PPF, 10.9% NPS) and standard inflation assumptions. They are illustrative and not guaranteed — actual returns will vary with market conditions. Artha uses Monte Carlo simulation (1,000 iterations) to show the probability of achieving your retirement goal across different market scenarios, giving a more realistic confidence range than a single-point estimate.
The form has 12 sections: family details, income and salary, expenses, investments (mutual funds, stocks, EPF, PPF, NPS, FD, gold, real estate), insurance (life and health), loans, retirement goal, children's education and marriage goals, additional goals (vacation, car, home renovation), life events, race and sports goals, and return assumptions. You can skip sections that don't apply. The more data you provide, the more accurate and personalised the plan.
Yes. Artha Auto-Plan automatically saves a draft as you fill the form. Once you generate the plan, you receive a reference number (e.g. AAP-F4C21A). Use this reference number along with the last 4 digits of your mobile number on the Retrieve My Plan page to access your plan for 90 days from generation.
Groww, Kuvera, and Coin are primarily mutual fund platforms with basic calculators. Artha Auto-Plan is a holistic financial planning tool — it integrates salary, tax, EPF, NPS, PPF, MFs, stocks, insurance, loans, and multiple life goals into a single plan. It calculates your net worth, cashflow projections, tax optimisation across regimes, insurance gap, loan closure timelines, and goal-wise SIP targets — all in one PDF and Excel report, guided by a SEBI-registered advisory firm.
The PDF summary covers: net worth statement, income and tax analysis (Old vs New regime comparison), retirement corpus projection with Monte Carlo confidence range, goal-wise corpus and SIP requirements (education, marriage, vacation, car, home), insurance coverage gap, loan repayment schedule, cashflow projections year by year, race and sports goal plan (if added), and a consolidated investment recommendation with instrument suggestions based on time horizon.
The plan is designed to be self-explanatory with section-by-section summaries and plain-language recommendations. If you want personalised guidance on implementing the plan — choosing specific mutual funds, reviewing your insurance policies, or restructuring your portfolio — you can reach out to Meta Investment directly at info@metainvestment.in or +91-9309806281.
Your data is encrypted in transit (HTTPS) and stored securely. Plans are accessible only with your reference number plus the last 4 digits of your mobile number — no one else can access your plan without both. Plans are automatically deleted after 90 days. Artha uses privacy-focused analytics (GoatCounter) with no cookies and no personal data tracking.
Yes. You can enter home loans, personal loans, car loans, and credit card balances. The plan shows your current EMI burden, outstanding balance, and estimated closure dates. For high-interest debt like credit cards (18–42% p.a.), Artha highlights these as priority payoff goals and factors the EMI into your cashflow projections.