How much do you actually need to retire? Artha Auto-Plan sizes your retirement corpus from your current monthly expenses, expected inflation, and life expectancy — then projects your existing EPF, NPS, PPF, mutual funds, stocks, gold and FDs forward, each at its own expected rate, to show the gap and the monthly SIP needed to close it. All figures are indicative, based on the assumptions you enter or the defaults shown in your plan — not a guarantee of future returns.
Your corpus target is sized so a 4% annual withdrawal covers your inflation-adjusted expenses through retirement, factoring in health and term insurance premiums too.
EPF, NPS, PPF, mutual funds, stocks, FDs and gold are each projected at their own expected return — not one blended guess — so the corpus estimate reflects your actual portfolio mix.
1,000 simulated market scenarios show the probability your corpus lasts through retirement, instead of a single optimistic number.
The plan shows the exact monthly SIP required today to close your retirement shortfall, alongside every other goal you've added.
Common questions about plan your retirement corpus with Artha Auto-Plan
It depends on your current monthly expenses, years to retirement, expected inflation, and life expectancy. Artha Auto-Plan inflates your expenses to your retirement date and applies a 4% safe withdrawal rate to arrive at an indicative corpus target — you can see your own number by generating a free plan.
Each asset class is projected at its own rate — EPF and PPF at their government-declared rates, NPS at your account's CAGR (or a default), mutual funds by category, and so on — rather than one flat assumption. All rates are adjustable in the Assumptions section before you generate your plan.
Instead of projecting a single "average" outcome, Artha runs your plan through 1,000 different market return sequences and reports the percentage of scenarios where your corpus lasts through retirement — a more realistic confidence range than a point estimate.
Yes. Enter your current balances and contribution amounts once, and they're projected forward at their own rates and netted against your retirement target — along with any mutual funds, stocks, gold or FDs you've tagged to your retirement goal.