Available Now
Book 1 of 4
The Real FIRE Number
The corrected FIRE formula for India — split inflation, 28x–30x multiplier, and a 6-tab Google Sheets planner included.
₹899
Buy Now — ₹899FIRE planning education for India
India's FIRE planning education brand — built on maths, not motivational posters.
Ebooks, tools, and free resources to help Indian professionals calculate their real retirement number, invest precisely, and retire on their own terms.
Free
The FIRE Readiness Checklist
16 questions that tell you exactly where your retirement plan stands.
The FIRE Playbook Series
Each book covers one piece of the FIRE puzzle — in depth, with real Indian numbers.
Coming Soon
Book 2 of 4
The Low-Cost FIRE Portfolio
How to build a high-return, tax-efficient Indian equity portfolio with index funds, direct plans, and zero unnecessary complexity.
Coming Soon
Book 3 of 4
The Retirement Income Engine
SWP design, bucket strategy, glide path, and how to turn a corpus into a monthly salary that lasts 40 years.
Coming Soon
Book 4 of 4
The Tax-Smart FIRE Plan
LTCG harvesting, debt MF taxation post-April 2023, NPS strategy, and every legal tax move available to an Indian FIRE investor.
The Tool
WealthLens — India's most complete FIRE planning tool
Monte Carlo simulation. SWP modelling. Bucket strategy. Glide path. LTCG tax logic. Everything the spreadsheet can't do, automated.
- Monte Carlo simulation — tests your corpus against 1,000 possible market sequences
- SWP modelling — designs your withdrawal income stream year by year
- Bucket strategy + glide path — built for Indian asset classes and tax rules
- LTCG + debt MF tax logic — updated for post-April 2023 rules
Lifetime deal
One-time lifetime deal — ₹3,499 (launching soon)
Join the WaitlistAlready have the ebook? Waitlist buyers get early access.
Corpus lasts
Age 85+
Safe · outlasts plan
Education, not advice
Every piece of content explains the maths. You make the decisions.
India-specific numbers
Built for Indian inflation, Indian tax rules, and Indian market data — not US averages.
No fluff, no filler
The books are short because every page earns its place. No motivational padding.
About
About Dhruv
Dhruv is a developer and FIRE researcher who built WealthLens — India's most complete retirement planning SaaS. The Wealth with Dhruv brand exists because the tools he built for himself were too useful to keep private.
The books distil years of research into formats anyone can action in an afternoon.
Frequently asked questions
No. This is financial education — frameworks and maths. All investment decisions remain yours.
Indian professionals (27–42) who earn well but haven't done proper retirement planning. Also relevant for NRIs planning to retire in India.
No — each book is standalone. Start with Book 1 if you haven't calculated your FIRE number yet.
The ebooks give you the understanding and a working spreadsheet. WealthLens automates the complexity — Monte Carlo, SWP, glide path — that spreadsheets can't do well. Both are designed to complement each other.
Yes. Tax rules (LTCG, debt MF) are updated when Budget changes apply.
Free education, every week
Instagram
@dhruv_wealth
Short-form FIRE education. Comment WEALTH on any post for the free checklist.
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@dhruvwithwealth
Long-form breakdowns of the concepts behind the books.
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