Wealth with Dhruv

FIRE 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.

Explore the BooksGet the Free Checklist
  • India-specific numbers
  • Education, not advice
  • No fluff, no filler
Your FIRE numberIndia-adjusted

Corpus needed to retire

₹5.25 Cr

Using the correct 28–30× multiplier — not the US 25× rule.

Monthly SIP target₹25,000
Years to FIRE20 yrs
Split inflationBase + lifestyle

Calculated for India — inflation, LTCG & debt-fund tax rules built in.

Free

The FIRE Readiness Checklist

16 questions that tell you exactly where your retirement plan stands.

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The FIRE Playbook Series

Each book covers one piece of the FIRE puzzle — in depth, with real Indian numbers.

Available Now

Book 1 of 4

The Real FIRE Number

Ebook PDF + Google Sheets Planner

Most Indian professionals know their EPF balance. They don't know their FIRE number. This ebook shows you how to calculate it — using Indian inflation, Indian tax rules, and your actual spending.

What's inside:

  • India-specific FIRE formula — why 25x underestimates your corpus, and the correct 28x–30x multiplier
  • Split inflation modelling — lifestyle inflation vs base inflation, calculated separately
  • SIP target calculator — work backwards from your FIRE corpus to a monthly investment number
  • SWP withdrawal planning — structure tax-efficient income in retirement, year by year
  • Post-April 2023 debt fund tax changes — what changed and how it affects your plan
  • 6-tab Google Sheets planner — enter your numbers, get your FIRE corpus, SIP target and withdrawal schedule automatically

Who is this for:

Indian professionals aged 27–45 who are investing but haven't done the full retirement maths for India.

Founding Reader Price
₹899₹599

The launch window is open. Early readers get the ebook + Google Sheets planner at ₹599. Once the launch period closes, the price returns to ₹899.

Buy Now — ₹599

One-time payment. Files delivered immediately. No subscription. Not financial advice — educational content only.

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.

Follow for Updates →
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.

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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.

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What readers are saying

The Real FIRE Number just launched — early readers are working through it now. Genuine reviews will appear here as they come in.

“I built this because I couldn't find a single resource that did FIRE maths with Indian inflation and Indian tax rules — everything online uses US numbers. This is the exact calculation I wanted for myself.”
DDhruvAuthor, The Real FIRE Number
“Your review could go here. Buy the ebook, and once you've read it you'll be invited to leave a review.”
Reviews open to verified buyers

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 Waitlist

Already have the ebook? Waitlist buyers get early access.

WealthLens retirement planning inputs — age, SIP, and return sliders
WealthLens retirement dashboard — corpus depletion chart and spending analysis
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.

Free education, every week

Instagram

@dhruv_wealth

Short-form FIRE education. Comment WEALTH on any post for the free checklist.

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YouTube

@dhruvwithwealth

Long-form breakdowns of the concepts behind the books.

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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.