I'm 40 with ₹2 crore in assets. Can I afford to stop working?

You've spent years building wealth. Now you're 40, your assets are worth ₹2 crore, and you're wondering whether it's finally enough to retire.

It's an exciting possibility. But ₹2 crore in assets doesn't automatically mean you have ₹2 crore available for retirement.

First, look at what you actually own

Suppose you have:

• ₹2 crore in total assets.
• ₹50 lakh in outstanding loans.

Your net worth is ₹1.5 crore.

But even that doesn't tell you everything.

Some of your wealth may be tied up in property or other assets you don't intend to sell.

Next, calculate what retirement would cost

Think about your annual expenses today and how they might change over time.

You'll also need to account for inflation, healthcare, family responsibilities and unexpected expenses.

At 40, your investments may need to support you for several decades.

That's a long time for market conditions, spending needs and personal circumstances to change.

What matters most?

The important number isn't simply your total assets.

It's the amount you can realistically use to fund retirement, how much you need to withdraw each year and whether your investments can sustain those withdrawals.

The takeaway: ₹2 crore could be a strong starting point for early retirement planning. Whether it's enough depends on your expenses, liabilities, investment portfolio and the lifestyle you want to maintain.