Taking a career break means replacing your income with savings for a defined period. Artha doesn't model an income-gap scenario as a distinct feature today, but its Other Goals entry — literally suggested for a "sabbatical" in the form itself — handles exactly this: set the total amount you'll need to cover the break and the year you plan to take it, and get the monthly SIP required to build that corpus in time. Figures are indicative, based on the target and timeline you enter.
Artha doesn't have a purpose-built "career break" income-replacement calculator yet. The practical approach: estimate your total living cost for the break period (monthly expenses × number of months), and enter that as a target amount under Other Goals with your planned start year. Artha sizes the SIP the same way it would for any other goal.
Estimate your total cost of living during the break and enter it as a one-time target amount and year under Other Goals.
Because it sits in the same plan as retirement and your other goals, you can see whether a career break SIP is realistic alongside everything else you're funding.
For shorter or less-defined breaks, sizing a larger Emergency Fund alongside this goal is often a more flexible approach than a single fixed target.
Common questions about plan your career break or sabbatical with Artha Auto-Plan
Estimate your monthly living cost during the break, multiply by the number of months you plan to be off, and enter that total as a target amount and year under the Other Goals section. Artha calculates the SIP needed to build that corpus by your planned start date.
It depends on how defined your timeline is. A specific, dated break (e.g. a 6-month sabbatical starting in 2 years) fits well as an Other Goals entry with its own SIP target. A more open-ended cushion is often better sized as a larger Emergency Fund.