Artha Financial Journey

Financial Journey · AP-TAWE9P

Hello, Aditi Sharma

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Tell Us About Yourself
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Journey AP-TAWE9P

Age: 42 years 8 months

Salaried needs 6 months of outflow set aside; every other employment type needs 12.

When yes, add each child below — it helps shape their education goal.

Needed to work out whether your calculated investment plan is affordable.

Include your regular household expenses. Loan EMIs are captured separately below and are also included in your outflow and emergency-fund calculation.

Mutual funds, stocks, FDs, PPF, gold — everything you already hold.

What's already going out every month — this reduces the "additional SIP needed" figure below.

Your Assumptions
These drive every future-value and SIP number below — change them any time.
% per annum

Pre-filled at 7% — used to project every goal's future cost.

% per annum

Pre-filled at 12% — an assumption, not a guaranteed return.

Health Insurance
Do you currently have health insurance?
Term Insurance
Do you currently have term insurance?
What Are You Planning For?
2 goals · Emergency Fund is automatic above; education and retirement usually come first
Child Education
Essential

Amount Today

₹20,00,000

Target Date

31-March-2038

Time Remaining

11 years 6 months

Estimated Future Cost

₹43,58,766

Required Monthly SIP

₹14,787

Lump Sum Alternative

₹11,82,096

Retirement
Important

Amount Today

₹50,00,000

Target Date

31-January-2049

Time Remaining

22 years 4 months

Estimated Future Cost

₹2,26,88,133

Required Monthly SIP

₹16,941

Lump Sum Alternative

₹18,01,384

Total current value: ₹70,00,000 Total future value of all goals: ₹2,70,46,899
Let's Look At Your Liabilities
3 loans on record
Home Loan

Outstanding

₹35,00,000

Monthly EMI

₹35,000

Last EMI Date

31-January-2036

Personal Loan

Outstanding

₹50,000

Monthly EMI

₹15,000

Last EMI Date

30-September-2026

Car Loan

Outstanding

₹80,00,000

Monthly EMI

₹2,500

Last EMI Date

30-September-2026

Total outstanding: ₹1,15,50,000 Total monthly EMI: ₹52,500
Emergency Fund System-generated

Automatically kept up to date from your expense, employment type and loan EMIs — not counted again in your goals list.

Monthly Expense ₹50,000
Monthly EMI ₹52,500
Months of Coverage 6 months
Recommended Fund ₹6,15,000

6 × (₹50,000 + ₹52,500) = ₹6,15,000

Your Financial Journey, at a Glance

Age 42 yrs
Monthly Income ₹1,50,000
Monthly Expense ₹50,000
Monthly EMI ₹52,500
Monthly Surplus ₹47,500
Outstanding Loans ₹1,15,50,000
Current Investments ₹0
Existing Monthly SIP ₹0
Additional SIP Needed ₹31,728
Emergency Fund Required ₹6,15,000
Total Future Goal Value ₹2,70,46,899
Health / Term Insurance Review Required Review Required
Financial Health Summary
Emergency FundOn Track

Required ₹6,15,000

Health InsuranceReview Required

Coverage ₹10,00,000

Term InsuranceReview Required

Coverage ₹1,00,00,000

Debt3 loans

Outstanding ₹1,15,50,000 · EMI ₹52,500

Goal Funding Surplus Covers It

Required SIP ₹31,728 · Already investing ₹0 · Available surplus ₹47,500

Monthly Cash Flow
Goal Value: Today vs Future
Recommendations

Protection

  • Your health cover looks lower than the guideline of ₹18,00,000. Consider increasing it.
  • Your term cover looks lower than the guideline of ₹2,95,50,000, based on your income and outstanding loans.
  • An emergency fund of ₹6,15,000 is suggested — 6 months of your monthly outflow of ₹1,02,500.

Debt

  • You are carrying ₹1,15,50,000 in outstanding loans, with ₹52,500 going out every month in EMIs.
  • Your EMI commitment looks manageable against your income, based on the figures entered.

Goals

  • You have 2 goals worth ₹70,00,000 today, estimated at ₹2,70,46,899 by the time they are due.

Investments

  • Your calculated monthly investment requirement is approximately ₹31,728, based on the stated assumptions. Your available surplus comfortably covers it.
Assumptions Used
  • Inflation: 7% per annum (default 7%)
  • Expected investment return: 12% per annum (default 12%) — an assumption, not a guaranteed return
  • Currency: Indian Rupees (₹) · Dates shown as dd-mmmm-yyyy
  • Emergency fund: 6 months of outflow for salaried, 12 months for every other employment type
  • Health cover guideline: at least ₹5,00,000 or 3× annual expenses, whichever is higher
  • Term cover guideline: about 10× annual income, plus outstanding loans
This financial planner provides indicative calculations based on the information and assumptions entered. Investment returns, inflation and future expenses may differ from assumptions. The calculations are not guarantees of investment performance or future financial outcomes. Insurance adequacy and investment requirements should be reviewed based on individual circumstances and applicable regulations.

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