Buying a home usually means funding a down payment years in advance while property values keep rising. Artha Auto-Plan's Real Estate goal takes your target home value, purchase year, and down payment percentage, inflates the property value to your purchase year, and calculates the monthly SIP needed to have the down payment ready — separate from your retirement and other goals. Figures are indicative planning estimates, not property valuations.
Your target home's value is inflated to your planned purchase year using real-estate-specific return assumptions, not a generic inflation number.
Artha calculates the SIP needed to fund just the down payment percentage you specify, using its own dedicated SIP rate assumption — separate from your equity-goal SIP rate.
Any property, gold, FD or fund you already hold can be tagged to the Home Purchase goal so it's netted against the target.
Your home goal SIP is shown alongside retirement, education and every other goal in the same PDF — so you can see your total monthly commitment across your whole plan, not just this one goal.
Common questions about plan your home purchase with Artha Auto-Plan
Enter your target home value in today's terms, your planned purchase year, and your intended down payment percentage under the Real Estate goal. Artha inflates the property value to that year and computes the monthly SIP required to accumulate just the down payment portion.
Yes — if you add a home loan in the Loans & Credit section, its EMI is factored into your monthly cashflow and net worth projections alongside the down payment SIP target.
Artha uses a dedicated SIP rate assumption for real estate down payment goals, distinct from the equity SIP rate used for retirement and education — both are visible and adjustable in your generated plan.