I built Arthada because I couldn't answer one question about my own finances: am I actually on track?
I had income. I had a few SIPs. I had EPF. But every “financial advisor” I spoke to either tried to sell me an insurance policy first, or quoted generic numbers I couldn't verify. The honest answer to “how much do I need?” was buried somewhere between an Excel sheet I couldn't trust and a 60-minute sales pitch.
So I built the tool I wished existed.
Arthada is a 5-minute goal-readiness assessment for Indian families. You answer questions about your income, expenses, goals, and current savings. We compute an Arthada Score (0–100), show you exactly how funded each of your goals is, and tell you in rupees how much extra SIP — if any — you need to close the gaps.
The assessment is free. The math is open. The report is yours to keep, whether you act on it through us or anywhere else.
Indian salaried professionals and families — typically in their 30s and 40s — who have started investing but aren't sure whether they're actually on track for retirement, their child's education, or buying a home. If you have a salary, a few SIPs, and a quiet worry that “this might not be enough,” Arthada is for you.
Planning is free. If you decide to execute the plan through us, we onboard you onto our partner platform (ZFunds) and earn a standard AMFI-regulated distributor commission on the regular mutual fund plans you invest in — built into the fund's expense ratio, the same as with any AMFI-registered distributor. You pay nothing extra to us.
If you'd rather invest via a direct-plan platform like Groww or Zerodha Coin, please do. The Arthada Score is the same.
Math before sales. The recommendation should be derived from your numbers, not from what a particular fund pays a distributor.
Plain language. “You need ₹18 lakh by 2042 and you'll have ₹11 lakh” beats “You are underfunded for your retirement corpus by 38.9%.”
Take the report and run. If we can't help you better than the next platform, we don't deserve your business.