Know Exactly If You're On Track
for Your Life Goals

Arthada is a free goal readiness assessment for Indians. It analyzes your income, expenses, savings, investments, and life goals to give you a personalized Arthada Score and SIP plan. If you want help executing the plan, we onboard you onto our partner platform (ZFunds) for actual SIP setup. Built by an AMFI-registered Mutual Fund Distributor (ARN 308707).

Planning is completely free — the assessment, Arthada Score, and SIP recommendations cost you nothing. If you choose to invest through our partner platform (ZFunds), the founder earns a standard AMFI-regulated distributor commission on the regular mutual fund plans you invest in. The commission is built into the fund's expense ratio (typically around 1% annually) — you pay nothing extra to us directly. This is disclosed on your result page before any onboarding begins.

Arthada is built for working Indian professionals and families who want to understand whether their current savings and investments are actually enough for their goals — retirement, home, and education. If you have a salary, expenses, and life goals, Arthada is for you.

Arthada is a goal-based investing tool, not a SEBI-registered investment advisory service. The founder is an AMFI-registered Mutual Fund Distributor (ARN: 308707). Arthada provides educational goal-gap analysis and connects you with registered advisors for personalized guidance.

Arthada uses a sequential waterfall model. It projects your current savings and investments forward, accounts for inflation, and calculates what percentage of your retirement corpus, education fund, and home purchase goal is already covered. The score is a weighted measure of that coverage — 86–100 is Excellent, 66–85 is Good Shape, 41–65 is On the Way, and below 40 needs urgent attention.

Arthada uses an annuity present value formula. It calculates the lump sum needed today (inflated to your retirement date) that can sustain your desired monthly income until your chosen life expectancy — accounting for inflation throughout retirement.

Arthada subtracts the wealth you are projected to build with your current savings and investments from your total goal requirement, then calculates the monthly SIP needed to bridge that gap by each goal's deadline.

It depends on your age, current savings, expected retirement age, and monthly expenses. As a rough rule, you need a corpus of 25–30× your annual retirement expenses. Arthada calculates this precisely for your numbers in 5 minutes.

For most Indians today, ₹1 crore is not enough. At 6% annual withdrawal, ₹1 crore gives you only ₹50,000/month before inflation. If you retire at 60 and live until 85, you typically need ₹3–6 crore depending on your monthly expenses. Arthada calculates your exact required corpus.

A professional degree in India costs ₹20–50 lakh today and is rising at 8–10% per year. If your child is 5 years old, you may need ₹40–80 lakh by the time they turn 18. Arthada factors in inflation and your child's current age to give you an exact monthly SIP target.

Yes. Arthada has a couple mode where you can enter both partners' income and investments. The plan is calculated on your combined financial picture, with each partner's contribution shown separately.

No. All your data stays on your device in browser storage. Nothing is sent to any server except the numbers needed for the calculation. We do not store your income, expenses, or goals anywhere.

Yes — and we want you to know upfront. If you choose to set up SIPs through our partner ZFunds at the end of your report, the founder (AMFI-registered Mutual Fund Distributor, ARN 308707) earns a standard distributor commission on those regular plans. The commission is built into the fund's expense ratio — you pay nothing extra to us. If you'd rather invest via a direct-plan platform like Groww or Zerodha Coin, please do — take your Arthada report and act on it however you prefer.