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TechArtha Financial Wellbeing
Financial Wellbeing · Free Programme

Understand Your Money.
Build Your Future.

India's most practical financial wellbeing programme, designed for working professionals. Know exactly where you stand today, what's costing you crores, and the 3 moves you need to make right now.

77%Indians have no emergency fund
96%Don't invest systematically
₹73LLost by waiting 5 years to start
27%Financial literacy rate in India
Start here

What's Your Financial Health Score?

Five honest questions. A clear next step. No sign-up needed.

Question 1 of 5Emergency Fund
0/100

Make it real

Waiting Has A Price.

Explore the compounding cost of postponing the financial habits that build your future.

⚡ Delay Tax Calculator

See what a few years of delay can cost at retirement, assuming a 12% annual return.

Start today₹0
Wait 1 year₹0
Wait 5 years₹0
Cost of waiting just one year ₹0

💡 Money Myth Busters

Tap a card to reveal the truth behind common money beliefs.

The complete framework

The 5 Pillars of Financial Wellbeing

Financial freedom is not one decision. It is a set of five foundations that protect, grow and pass on your wealth.

Ready to strengthen all five pillars?

Book a free 30-minute Financial Wellbeing Session with TechArtha.

Book My Free Session

TechArtha Wealth Simulator

Plan your SIP, growth, and SWP journey in one view.

Your Wealth Projection

Illustrative annual projection based on your selected inputs.

Figures shown in INR

Corpus Growth

Investment and Wealth Created

Year-by-Year Breakdown

YearSIP investedTotal investedSWP withdrawnNet gains to dateCorpus

Illustrative projection only. SIPs and SWPs are assumed at month-end. Annual returns are converted to monthly rates by dividing by 12. Actual market returns and withdrawal sustainability may vary. Mutual fund investments are subject to market risks. Sushil Arvind Raul · AMFI-registered Mutual Fund Distributor · ARN-330164 · TechArtha Financial Services Pvt Ltd.

Financial Case Studies

Real goals. Clearer money decisions.

Meet people with practical financial goals, explore the numbers behind their choices, and send any scenario to the Wealth Simulator above.

Showing case 1 of 12
🧮 5 Free Financial Tools

Know exactly where you stand — in under 2 minutes each.

Five tools. Zero jargon. Real numbers from your actual situation. Use them together for your complete financial picture.

📈 SIP Calculator
🛡️ Insurance Gap Quiz
📊 Readiness Score
Cost of Delay
🎯 Goal Planner

📈 SIP Magic Calculator

Watch your money multiply. Drag the sliders to see what consistent investing can do over time.

₹10,000
20 Years
12%
Amount Invested
Wealth Gained
Total Corpus
Start This SIP — Chat with Sushil

12% p.a. compounded monthly — historical Nifty 50 average. Not a guarantee. Mutual fund investments subject to market risks. · Sushil Arvind Raul · ARN-330164 · AMFI Registered MFD

🛡️ Am I Underinsured?

5 questions · 60 seconds · Life and health insurance gaps with specific numbers.

Question 1 of 5

📊 Financial Readiness Score

8 yes/no questions · See exactly where you stand in under 2 minutes.

⏳ What Does Waiting Cost You?

The exact rupee cost of delaying your SIP by just 5 years. This number shocks most people.

30 yrs
₹10,000
This is what 5 years of waiting costs you
💬 Start My SIP Today →

Assumed return: 12% p.a. compounded monthly to age 60. Not a guarantee. Mutual fund investments subject to market risks. · ARN-330164

🎯 Goal Planner

Pick your goal · Set your timeline · Get your monthly SIP number · Inflation-adjusted.

🎓
Child's Education
📅
🎓
You need to save
Target (future value)
Years to goal
Total invested

📍 Milestone Checkpoints

💬 Let's Make This Happen →

SIP return: 12% p.a. Inflation: 6% p.a. Illustrative only. Mutual fund investments subject to market risks. Read all scheme-related documents carefully. · Sushil Arvind Raul · ARN-330164 · AMFI Registered MFD

📈 Freedom SIP Calculator

Start 4 SIPs at different durations. As each matures, it converts to monthly SWP income — giving you growing cash flow while your corpus keeps compounding in the background.

⚙️

Customise Your Freedom SIP

Tap any value to type · Use sliders to adjust

Your 4 SIP Tranches
SIP Tranche 1
₹20,000
Monthly Amount
₹20,000
tap to edit
₹1K₹1L
Duration (Years)
8 yrs
tap to edit
1 yr30 yrs
SIP Tranche 2
₹10,000
Monthly Amount
₹10,000
tap to edit
₹1K₹1L
Duration (Years)
12 yrs
tap to edit
1 yr30 yrs
SIP Tranche 3
₹5,000
Monthly Amount
₹5,000
tap to edit
₹1K₹1L
Duration (Years)
15 yrs
tap to edit
1 yr30 yrs
SIP Tranche 4
₹5,000
Monthly Amount
₹5,000
tap to edit
₹1K₹1L
Duration (Years)
20 yrs
tap to edit
1 yr30 yrs
Expected Annual Return
Assumed return rate (% p.a.)
12%
tap to edit
6%18%
Monthly SWP Income per Phase
Set your desired monthly withdrawal for each phase. As each SIP matures, it triggers a new income stream. Phase 2 total includes Phase 1 income — your income grows cumulatively.
Phase 1 — from Year 8
₹20,000
₹1K₹2L
Phase 2 add-on — Year 12
₹20,000
₹0₹2L
Phase 3 add-on — Year 15
₹15,000
₹0₹2L
Phase 4 add-on — Year 20
₹25,000
₹0₹2L
Total Monthly SIP Today
Steps down as each tranche matures
₹40,000
Final Monthly Income — Phase 4 ₹80,000 per month from Year 20 onwards
Corpus at Year 20
Corpus at Year 30
📈 Monthly Income — Phase by Phase
📊 Corpus Growth Over Time
Corpus Total Withdrawn
📋 30-Year Journey Summary
Total SIP Invested
Income Withdrawn
Final Corpus
Total Wealth
Wealth Multiplier
Return on Invested

Start My Freedom SIP with TechArtha

Free expert consultation · No obligation · No pressure

This calculator is for educational and illustrative purposes only. Returns assumed at the entered % p.a. and are not guaranteed. Actual returns may vary. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
Sushil Arvind Raul · AMFI-registered Mutual Fund Distributor · ARN-330164 · TechArtha Financial Services Pvt Ltd · www.TechArtha.com

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