Net Worth Calculator Singapore (2026)

Net worth is total assets minus total liabilities at a point in time. For Singapore households, the assets typically include: cash and savings, total CPF balances (OA + SA + MA + RA), investments (stocks, ETFs, unit trusts, REITs, bonds), the market value of any HDB or private property, vehicle value (typically the OMV depreciated value), and other assets (collectibles, business equity). Liabilities include: outstanding mortgage balance, car loan, credit card balances, personal loans, renovation loans, and any other debts. Singapore Department of Statistics publishes median household net worth at around S$700k-$800k, heavily concentrated in HDB equity and CPF.

Yes — CPF is unambiguously an asset because it has a positive monetary value owned by you, even though it is locked. Include the total of OA, SA (note: SA closed for members aged 55+ from January 2025), MA, and RA balances. However, treat CPF as illiquid: OA can only be used for housing, education, investment under CPFIS, or after 55; SA was historically for retirement (now folded into RA); MA is restricted to approved medical use; RA is locked until 65 when CPF LIFE payouts begin. This calculator separates liquid (cash + investments) from illiquid (CPF + property + vehicle) to make this clear.

Use the most recent indicative market value, not your purchase price. For HDB, check the latest transacted prices on HDB Resale Flat Prices (data.gov.sg) for the same block and floor band. For private property, use SRX X-Value, EdgeProp Valuation, or PropertyGuru AI estimates. Use the median of multiple sources for a more accurate figure. Do not use the URA caveat lowest or highest — use the median for the most recent 6-12 months. Subtract the outstanding mortgage balance from the property value to get your home equity, which is the net contribution to your net worth.

Liquid net worth is what you could convert to cash within a few weeks without significant penalty: cash, savings accounts, money market funds, stocks, ETFs, REITs, T-bills, SSBs, and Singapore deposit accounts. Illiquid net worth includes CPF (locked until 55-65), property (months to sell, transaction costs), vehicle (selling fees, depreciation), business equity, and collectibles. The distinction matters because in a true financial emergency, only liquid net worth can be deployed. Singapore households often have impressive total net worth but low liquid net worth due to property and CPF dominance.

Use the current resale value, not the original price. Singapore vehicles depreciate steeply because of the 10-year COE expiry — a car bought new for S$120,000 might be worth S$30,000 after 7 years and zero (other than scrap) at year 10. Check SGCarMart used listings for similar make, model, and registration year. Subtract any outstanding car loan from the market value to get the net vehicle contribution. Note that a 10-year-old car going into PARF deregistration is often worth more than COE-renewed cars because of the PARF rebate.

Singapore Department of Statistics publishes wealth quartiles by age band. Rough median net worth benchmarks: age 25-29 ~S$50k-100k (mostly CPF), age 30-34 ~S$150k-300k (CPF + savings + early HDB equity), age 35-44 ~S$400k-700k (HDB equity dominant), age 45-54 ~S$700k-1.2m (paid-down HDB + CPF + investments), age 55-64 ~S$1m-1.8m (peak net worth before retirement drawdown). These vary widely by housing type, household structure, and earning history. Pair this with our "Am I Rich Singapore?" calculator for percentile placement.

Once a quarter for active wealth builders; annually for steady-state households. The four useful checkpoint months are March, June, September, and December — corresponding to typical bonus, mid-year review, SRS contribution deadlines, and year-end. Track the trend across years, not just the absolute number. A growing net worth in real (inflation-adjusted) terms is the key indicator of financial progress. Use our Inflation Calculator to convert past years to current dollars for fair year-on-year comparison.

For an individual net worth, only count what is in your name. For household net worth (more relevant for retirement and financial planning), aggregate both partners' assets and liabilities. Joint assets like a co-owned HDB flat or joint bank account should be split based on actual contribution or 50/50 by default. Joint mortgages should also be split proportionally. Each spouse has their own CPF and SRS — these never combine. For ABSD, BTO income ceiling, and other regulatory matters, the household figure matters; for personal financial planning, the individual figure is more actionable.