Artha Auto-Plan is a free tool for Indian investors. Fill a 12-section guided form once — and get a professional PDF + interactive Excel covering every aspect of your financial life.
Ten core planning modules — all run in a single generation, in seconds
Calculates the corpus you need at retirement using your current expenses, inflation, and life expectancy. Projects existing investments forward and shows the monthly SIP to close the gap.
Calculates your income tax under both Old and New Regime side by side. Applies all eligible deductions — 80C, 80D, 80CCD, HRA, standard deduction — and recommends the regime that saves you more.
Stress-tests your retirement plan across 1,000 market return sequences — not just the "average case". Shows the probability your corpus lasts through retirement and the range of outcomes.
Computes corpus and monthly SIP for every goal: children's higher education, marriage, vacation, car, home, and sports events. Uses goal-specific inflation rates — 10% for education, 6% for general goals.
Plots all your financial milestones — retirement, children's education, marriage, property, vacations — on a single chronological timeline. Each milestone shows the target corpus, monthly SIP needed, shortfall, and on-track status at a glance.
Calculates your Human Life Value (HLV) — the present value of your future income — and compares it against your existing life insurance cover. Also checks health insurance adequacy for your family.
Projects every asset class to your goal date: EPF (8.1%), NPS (10.9%), PPF (7.1%), mutual funds (12%), direct stocks, gold, FD, and real estate. Separate rate per instrument.
Aggregates all assets and liabilities into a net worth statement and projects it 25 years forward. Computes liquidity ratio, debt-to-income, EMI-to-income, and solvency ratio.
Generates a branded, print-ready PDF with net worth, tax comparison, retirement corpus, goal-wise SIPs, insurance gap, and Monte Carlo result — organised for client presentation.
A fully formula-driven Excel file with a Scenario control panel. Switch between Base, Optimistic, and Pessimistic return assumptions — all 15+ sheets update live. Premium feature for advanced users.
One form, two comprehensive outputs
Everything you need to know about Artha Auto-Plan's features and calculations
Artha Auto-Plan calculates your complete financial picture in one run: retirement corpus required, monthly SIP targets for each goal, tax liability under both Old and New tax regimes, insurance coverage gap using Human Life Value, net worth projection over 25 years, education and marriage corpus needs, loan repayment timelines, and emergency fund sizing. The results are delivered as a branded PDF summary and an interactive Excel workbook with scenario modelling.
Enter your current age, target retirement age, life expectancy, and current monthly expenses. Artha inflates your expenses at 6% p.a. to the retirement date, then applies a 4% safe withdrawal rate to calculate the corpus you need on day one of retirement. It projects your existing investments (EPF, PPF, NPS, mutual funds, stocks) forward and calculates the monthly SIP required to close the gap, assuming a 12% equity CAGR. Monte Carlo simulation then stress-tests the plan across 1,000 market scenarios.
Yes. Artha calculates your income tax liability under both regimes side by side. For the Old Regime it applies deductions under Sections 80C (up to ₹1.5 lakh), 80D (health insurance), 80CCD (NPS), HRA, standard deduction, and professional tax. For the New Regime it applies the FY 2024-25 slabs without exemptions. The plan then recommends which regime saves you more based on your actual numbers.
A Monte Carlo simulation runs your retirement plan through 1,000 different market return sequences — some optimistic, some pessimistic — to calculate the probability that your corpus lasts through retirement. Instead of a single "average case" projection, it gives a confidence range: for example, "87% probability your corpus lasts to age 85". Artha Auto-Plan includes this simulation and shows the result in the PDF summary.
Yes. The interactive Excel workbook generated by Artha Auto-Plan includes a Scenario sheet with a Base / Optimistic / Pessimistic dropdown. Switching scenarios updates return assumptions for all 14 asset classes (equity MF, debt MF, NPS, EPF, PPF, gold, real estate, stocks, FD, and more) and recalculates all downstream sheets — retirement corpus, SIP targets, net worth, tax — instantly via live formulas.
Artha calculates the future cost of each goal (using goal-specific inflation rates — 10% for education, 6% for general goals), deducts any corpus already set aside, and then uses the PMT (present value of annuity) formula to find the monthly SIP needed at a 12% equity return over the years remaining. Each goal — retirement, children's education, children's marriage, vacation, car, home — gets its own SIP figure.
Yes. Artha calculates your Human Life Value (HLV) — the present value of your expected future income — and compares it against your existing life insurance cover (term, ULIP, endowment) to show the gap in crores. It also checks your health insurance sum insured against recommended coverage based on your family size and city. Outstanding loans are factored into the life insurance need.
Artha generates two files. The PDF summary is a branded, print-ready report covering your net worth, tax comparison, retirement corpus, goal-wise SIP targets, insurance gap, and Monte Carlo result — typically 6–10 pages. The Excel workbook is interactive: it contains a scenario-switching control panel and over 15 formula-driven sheets covering cashflow projections, tax analysis, retirement modelling, loan amortisation, insurance, goals, and more.
Yes, Artha Auto-Plan is completely free. There is no registration, no subscription, and no payment required. Fill the form, generate your plan, and download the PDF and Excel report at no cost. For personalised advice — selecting specific mutual funds, reviewing insurance policies, or ongoing portfolio management — you can connect with a Meta Investment advisor.
Artha Auto-Plan is built for Indian salaried professionals, self-employed individuals, and financial advisors who want a comprehensive, data-driven financial plan. It handles the full complexity of Indian financial planning: EPF, NPS, PPF, Old vs New tax regime, HUF, multiple earners, and Indian inflation rates. Financial advisors at AMFI-registered firms use it to generate client deliverables in minutes rather than hours.