01 ↗
Accumulation Phase
Freedom Growth
Build a corpus through a lump sum, monthly SIP or both.
- Set a goal and investment period.
- Choose suitable diversified investments.
- Review contributions and progress.
Passive Income
Freedom Plan.
Build your investments. Plan regular withdrawals. Make more room for the life you want.
A clear starting point for you and your family.
No obligation to invest.
Investments held in your nameCosts and risks explainedPersonal support and reviews
Our Services
One Plan. Two Life Stages.
Whether you are building savings or ready to use them, start with a clear purpose for your money.
02 ↗
Distribution Phase
Freedom Income
Plan withdrawals to help pay for your family’s lifestyle.
- Set aside money for nearer-term needs.
- Link withdrawals to your expenses.
- Review spending and remaining capital.
Investment selection depends on your needs and risk capacity. These are service models, not separate schemes. Withdrawals can include your original capital and may reduce or exhaust your investments.
Plan Your Next Step
Explore Your Numbers.
Choose a calculator. Enter your numbers and see an illustration. Your calculator inputs stay in your browser and are not sent to us.
Your Main Planning Tool
Passive Income Freedom Plan Calculator
See how your savings could grow, what your future lifestyle may cost, and whether your investments could fund those expenses.
Projected corpus when income starts
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First monthly withdrawal—
Corpus needed in this model—
Projected surplus / shortfall—
Monthly SIP needed with your lump sum—
View yearly income figures
| Income year | Monthly amount requested | Withdrawals paid in year | Closing corpus |
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Assumptions: your lump sum is invested today. SIPs are paid at month-end and stop when income starts. Expenses grow with inflation before income starts, then withdrawals rise once each year. Returns are constant mathematical assumptions, not forecasts. Taxes, fees, other income and one-off costs are excluded. The required corpus funds only the chosen period and assumes no inheritance balance. Actual market falls can cause money to run out earlier.
Other Planning Calculators
01 · Wealth goal
Wealth Goal
Estimate how inflation changes your target and the lump sum or monthly SIP that may be required to pursue it.
Future inflated target
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Your estimate will appear here.
Lump sum and SIP values are mathematical illustrations using the selected return assumption.
03 · Future value
Future Investment Value
Illustrate the potential future value of an existing lump sum plus regular monthly investments.
Estimated future value
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Total invested and illustrative growth will appear here.
04 · Growing contributions
Step-Up SIP
Explore a SIP that increases annually as your income or savings capacity grows.
Estimated step-up value
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Total contributions and illustrative growth will appear here.
05 · Start early
Cost Of Waiting
Compare the illustrative value of starting a monthly investment today versus starting later.
Value if started today
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Delayed value and opportunity difference will appear here.
Important: SIPs are added at month-end. Returns use an effective monthly rate derived from the annual assumption. SIP increases start after each completed year. Withdrawals occur after each month’s growth. These calculators are mathematical illustrations only, not forecasts, guarantees or personalised investment advice. Actual returns vary; taxes, fees and inflation effects may change outcomes. The Passive Income Freedom Plan increases withdrawals annually with the chosen inflation assumption and uses a constant return during the income phase; actual results can differ materially and corpus depletion is possible.
About Us
Who We Are.
Auris Wealth is a specialist firm focused on family and business wealth preservation and transfer to the next generation. We are a complete wealth and investment solution platform, with personal guidance for long-term wealth creation and greater peace of mind.
Our Story
Founded by Sarvesh S Gutti, Auris Wealth starts with the family’s goals and overall financial picture—not a product. We help bring investments, liquidity needs, risks and long-term family priorities into a clearer structure.
Depending on suitability, eligibility and available distribution arrangements, investment avenues may include mutual funds, SIF, PMS, AIF, corporate bonds, NBFC deposits and GIFT City funds. We explain relevant costs and risks and review progress as needs change.
Sarvesh S Gutti
CEO & MD · Auris Wealth
Former SEBI Registered Research Analyst (2020–2025) · 16 years of financial markets experience. MBA, Financial Markets — Bombay Stock Exchange Institute (2011–2013). Experience across India and the UAE with Nomura, Kotak, Financial Technologies (MCX), Y S Capital and SMI Research. “For me, my investors are not just clients, but a part of my extended family. Your trust is my highest honor, and your financial well-being is my daily commitment.”
Connect With Auris Wealth ↗Insights
Understand More. Invest Informed.
Your Next Step
Start With A Clear Plan.
Download the Passive Income Freedom Plan introductory blueprint.