If a meaningful part of your wealth is in employer equity — RSUs, ESOPs, or a listed employer's stock — it deserves to be part of your overall plan, not tracked separately. Artha Auto-Plan doesn't have a dedicated RSU/ESOP account type yet, but vested equity value can be entered directly under Stocks (or Mutual Funds & Stocks) and tagged to whichever goal it's actually funding — Wealth Creation, retirement, or anything else — so it flows into your net worth and goal calculations like any other holding.
Artha doesn't have a dedicated RSU/ESOP account type yet. In the meantime, enter your vested equity value under the Stocks section and tag it to a goal such as Wealth Creation or Retirement — it will still be counted in your net worth, retirement corpus, and SIP calculations exactly like any other stock holding. Unvested RSUs/ESOPs are best left out until they vest, since their value and tax treatment aren't finalised.
Enter the current market value of vested RSUs/ESOPs under Stocks — it's counted in your net worth and any goal you tag it to, the same as a regular equity holding.
Whether your equity comp is really funding retirement, a home purchase, or general wealth creation, tagging it correctly means it's counted toward the right goal's SIP gap calculation.
Your employer equity sits in the same net worth statement and 25-year projection as your other investments — no separate spreadsheet needed.
Common questions about plan around your rsus & esops with Artha Auto-Plan
There isn't a dedicated RSU/ESOP category yet. Enter the current market value of vested shares under the Stocks section and tag it to whichever goal it's funding — it will be included in your net worth and that goal's calculations.
It's generally safer to leave unvested equity out of your plan until it vests, since the final value and tax treatment aren't certain yet. Once vested, add the current market value under Stocks.